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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 | $123,468 | $110,278+12.0% | $95,740+29.0% | $139,466-11.5% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 18.06% | 27.19%-9.1pp | 28.41%-10.3pp | 373.66%-355.6pp |
| Employer contribution / active EE | $4,412 | $3,260+35.3% | $2,836+55.6% | $4,754-7.2% |
| Participant deferral / active EE | $672 | $4,674-85.6% | $4,244-84.2% | $6,712-90.0% |
| Admin fee / account holder | $7,931 | $6,613+19.9% | $5,676+39.7% | $11,409-30.5% |