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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 | $91,639 | $165,399-44.6% | $149,745-38.8% | $158,982-42.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.48% | 348.34%-330.9pp | 276.72%-259.2pp | 302.99%-285.5pp |
| Employer contribution / active EE | $3,644 | $5,105-28.6% | $4,646-21.6% | $4,763-23.5% |
| Participant deferral / active EE | $2,197 | $7,183-69.4% | $6,843-67.9% | $5,983-63.3% |
| Admin fee / account holder | $2,936 | $10,811-72.8% | $9,312-68.5% | $11,252-73.9% |