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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 | $28,205 | $148,629-81.0% | $135,982-79.3% | $139,487-79.8% |
| Participation rate | 76.9% | 83.9%-6.9pp | 81.9%-5.0pp | 80.3%-3.4pp |
| Annual return | 14.41% | 79.33%-64.9pp | 68.32%-53.9pp | 373.84%-359.4pp |
| Employer contribution / active EE | $0 | $5,247-100.0% | $4,859-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,198 | $8,102-72.9% | $7,760-71.7% | $6,713-67.3% |
| Admin fee / account holder | $2,926 | $12,406-76.4% | $10,767-72.8% | $11,407-74.3% |