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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 | $217,212 | $196,972+10.3% | $182,262+19.2% | $198,609+9.4% |
| Participation rate | 93.3% | 85.7%+7.6pp | 84.2%+9.1pp | 82.4%+11.0pp |
| Annual return | 15.25% | 158.27%-143.0pp | 140.60%-125.3pp | 202.70%-187.5pp |
| Employer contribution / active EE | $7,711 | $5,364+43.8% | $5,046+52.8% | $5,055+52.5% |
| Participant deferral / active EE | $3,549 | $8,643-58.9% | $8,276-57.1% | $6,977-49.1% |
| Admin fee / account holder | $1,211 | $18,429-93.4% | $16,712-92.8% | $19,030-93.6% |