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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 | $93,297 | $223,823-58.3% | $211,142-55.8% | $154,746-39.7% |
| Participation rate | 89.5% | 87.9%+1.6pp | 87.3%+2.2pp | 80.7%+8.8pp |
| Annual return | 13.33% | 50.39%-37.1pp | 46.84%-33.5pp | 172.34%-159.0pp |
| Employer contribution / active EE | $2,743 | $6,787-59.6% | $6,442-57.4% | $4,379-37.4% |
| Participant deferral / active EE | $3,149 | $9,750-67.7% | $9,284-66.1% | $6,730-53.2% |
| Admin fee / account holder | $2,650 | $19,707-86.6% | $19,076-86.1% | $14,365-81.6% |