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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 | $68,140 | $115,814-41.2% | $101,275-32.7% | $158,982-57.1% |
| Participation rate | 72.7% | 79.4%-6.6pp | 75.8%-3.1pp | 82.0%-9.2pp |
| Annual return | 13.58% | 56.16%-42.6pp | 46.48%-32.9pp | 302.99%-289.4pp |
| Employer contribution / active EE | $4,100 | $4,176-1.8% | $3,660+12.0% | $4,763-13.9% |
| Participant deferral / active EE | $1,035 | $4,958-79.1% | $4,371-76.3% | $5,983-82.7% |
| Admin fee / account holder | $968 | $7,249-86.6% | $5,948-83.7% | $11,252-91.4% |