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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 | $179,796 | $165,381+8.7% | $149,730+20.1% | $158,966+13.1% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 15.24% | 348.29%-333.1pp | 276.70%-261.5pp | 302.95%-287.7pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,411 | $7,182-80.4% | $6,843-79.4% | $5,983-76.4% |
| Admin fee / account holder | $1,182 | $10,809-89.1% | $9,310-87.3% | $11,250-89.5% |