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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 | $45,421 | $197,637-77.0% | $177,848-74.5% | $158,982-71.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 17.28% | 58.77%-41.5pp | 48.33%-31.0pp | 302.99%-285.7pp |
| Employer contribution / active EE | $5,380 | $6,698-19.7% | $5,919-9.1% | $4,763+13.0% |
| Participant deferral / active EE | $2,483 | $8,405-70.5% | $7,714-67.8% | $5,983-58.5% |
| Admin fee / account holder | $695 | $15,406-95.5% | $12,431-94.4% | $11,252-93.8% |