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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 | $74,815 | $93,345-19.9% | $119,126-37.2% | $87,485-14.5% |
| Participation rate | 70.6% | 68.7%+1.9pp | 75.8%-5.2pp | 68.9%+1.7pp |
| Annual return | 15.08% | 19.08%-4.0pp | 282.11%-267.0pp | 26.06%-11.0pp |
| Employer contribution / active EE | $9,421 | $3,172+197.1% | $4,034+133.6% | $2,596+262.9% |
| Participant deferral / active EE | $725 | $4,099-82.3% | $5,318-86.4% | $4,274-83.0% |
| Admin fee / account holder | $5,535 | $8,039-31.1% | $10,693-48.2% | $7,775-28.8% |