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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 | $20,607 | $185,312-88.9% | $161,489-87.2% | $154,746-86.7% |
| Participation rate | 84.6% | 82.5%+2.2pp | 78.7%+5.9pp | 80.7%+3.9pp |
| Annual return | 12.46% | 103.84%-91.4pp | 89.72%-77.3pp | 172.34%-159.9pp |
| Employer contribution / active EE | $1,152 | $4,769-75.9% | $4,268-73.0% | $4,379-73.7% |
| Participant deferral / active EE | $168 | $6,350-97.4% | $5,630-97.0% | $6,730-97.5% |
| Admin fee / account holder | $716 | $18,654-96.2% | $16,006-95.5% | $14,365-95.0% |