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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 | $43,528 | $183,539-76.3% | $155,556-72.0% | $145,897-70.2% |
| Participation rate | 92.3% | 82.7%+9.6pp | 78.2%+14.1pp | 80.3%+12.0pp |
| Annual return | 12.90% | 61.31%-48.4pp | 64.84%-51.9pp | 552.29%-539.4pp |
| Employer contribution / active EE | $5,289 | $5,315-0.5% | $4,675+13.1% | $4,663+13.4% |
| Participant deferral / active EE | $933 | $6,467-85.6% | $5,631-83.4% | $6,689-86.1% |
| Admin fee / account holder | $823 | $19,275-95.7% | $15,885-94.8% | $13,390-93.9% |