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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 | $89,589 | $88,672+1.0% | $105,223-14.9% | $82,448+8.7% |
| Participation rate | 85.7% | 67.9%+17.8pp | 75.0%+10.7pp | 68.1%+17.6pp |
| Annual return | 17.59% | 30.86%-13.3pp | 180.65%-163.1pp | 41.64%-24.0pp |
| Employer contribution / active EE | $14,723 | $3,048+383.1% | $3,689+299.2% | $2,551+477.2% |
| Participant deferral / active EE | $927 | $4,036-77.0% | $5,072-81.7% | $4,139-77.6% |
| Admin fee / account holder | $5,485 | $7,146-23.2% | $8,859-38.1% | $7,234-24.2% |