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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 | $53,691 | $165,399-67.5% | $149,745-64.1% | $158,982-66.2% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 18.69% | 348.34%-329.6pp | 276.72%-258.0pp | 302.99%-284.3pp |
| Employer contribution / active EE | $11,420 | $5,105+123.7% | $4,646+145.8% | $4,763+139.8% |
| Participant deferral / active EE | $1,128 | $7,183-84.3% | $6,843-83.5% | $5,983-81.2% |
| Admin fee / account holder | $314 | $10,811-97.1% | $9,312-96.6% | $11,252-97.2% |