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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 | $97,304 | $125,237-22.3% | $105,608-7.9% | $145,877-33.3% |
| Participation rate | 90.9% | 77.7%+13.3pp | 75.3%+15.6pp | 80.3%+10.6pp |
| Annual return | 22.26% | 225.76%-203.5pp | 116.50%-94.2pp | 551.28%-529.0pp |
| Employer contribution / active EE | $1,065 | $3,720-71.4% | $3,167-66.4% | $4,663-77.2% |
| Participant deferral / active EE | $1,296 | $5,711-77.3% | $5,010-74.1% | $6,691-80.6% |
| Admin fee / account holder | $6,172 | $17,287-64.3% | $11,028-44.0% | $13,402-53.9% |