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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 | $198,898 | $217,432-8.5% | $185,851+7.0% | $167,553+18.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.20% | 148.43%-137.2pp | 122.11%-110.9pp | 478.89%-467.7pp |
| Employer contribution / active EE | $2,311 | $5,874-60.7% | $5,168-55.3% | $4,840-52.2% |
| Participant deferral / active EE | $606 | $6,357-90.5% | $5,569-89.1% | $6,343-90.4% |
| Admin fee / account holder | $4,809 | $19,820-75.7% | $16,245-70.4% | $12,316-61.0% |