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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,354 | $107,368-19.6% | $92,915-7.1% | $152,909-43.5% |
| Participation rate | 87.0% | 79.8%+7.2pp | 76.0%+11.0pp | 82.5%+4.5pp |
| Annual return | 20.23% | 145.64%-125.4pp | 109.45%-89.2pp | 345.46%-325.2pp |
| Employer contribution / active EE | $5,702 | $4,222+35.0% | $3,653+56.1% | $4,764+19.7% |
| Participant deferral / active EE | $1,264 | $4,848-73.9% | $4,238-70.2% | $5,851-78.4% |
| Admin fee / account holder | $612 | $7,082-91.4% | $5,796-89.4% | $11,601-94.7% |