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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 | $110,590 | $165,399-33.1% | $149,745-26.1% | $158,982-30.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.55% | 348.34%-336.8pp | 276.72%-265.2pp | 302.99%-291.4pp |
| Employer contribution / active EE | $11,717 | $5,105+129.5% | $4,646+152.2% | $4,763+146.0% |
| Participant deferral / active EE | $1,179 | $7,183-83.6% | $6,843-82.8% | $5,983-80.3% |
| Admin fee / account holder | $38,748 | $10,811+258.4% | $9,312+316.1% | $11,252+244.4% |