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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 | $93,345-4.0% | $119,126-24.8% | $87,485+2.4% |
| Participation rate | 85.7% | 68.7%+17.0pp | 75.8%+10.0pp | 68.9%+16.8pp |
| Annual return | 17.59% | 19.08%-1.5pp | 282.11%-264.5pp | 26.06%-8.5pp |
| Employer contribution / active EE | $14,723 | $3,172+364.2% | $4,034+265.0% | $2,596+467.1% |
| Participant deferral / active EE | $927 | $4,099-77.4% | $5,318-82.6% | $4,274-78.3% |
| Admin fee / account holder | $5,485 | $8,039-31.8% | $10,693-48.7% | $7,775-29.4% |