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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 | $97,756 | $165,399-40.9% | $149,745-34.7% | $158,982-38.5% |
| Participation rate | 84.2% | 84.6%-0.4pp | 82.5%+1.7pp | 82.0%+2.2pp |
| Annual return | 12.13% | 348.34%-336.2pp | 276.72%-264.6pp | 302.99%-290.9pp |
| Employer contribution / active EE | $3,947 | $5,105-22.7% | $4,646-15.0% | $4,763-17.1% |
| Participant deferral / active EE | $1,671 | $7,183-76.7% | $6,843-75.6% | $5,983-72.1% |
| Admin fee / account holder | $4,656 | $10,811-56.9% | $9,312-50.0% | $11,252-58.6% |