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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 | $88,560 | $117,433-24.6% | $99,475-11.0% | $152,897-42.1% |
| Participation rate | 100.0% | 77.5%+22.5pp | 73.8%+26.2pp | 82.5%+17.5pp |
| Annual return | 18.58% | 31.87%-13.3pp | 30.72%-12.1pp | 345.43%-326.8pp |
| Employer contribution / active EE | $6,124 | $3,013+103.2% | $2,540+141.1% | $4,764+28.6% |
| Participant deferral / active EE | $337 | $4,086-91.7% | $3,619-90.7% | $5,851-94.2% |
| Admin fee / account holder | $1,492 | $7,634-80.5% | $6,252-76.1% | $11,599-87.1% |