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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 | $230,876 | $108,911+112.0% | $100,392+130.0% | $145,884+58.3% |
| Participation rate | 71.4% | 83.0%-11.5pp | 81.5%-10.1pp | 80.3%-8.9pp |
| Annual return | 13.78% | 58.23%-44.4pp | 49.45%-35.7pp | 551.85%-538.1pp |
| Employer contribution / active EE | $0 | $4,420-100.0% | $3,941-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $271 | $8,459-96.8% | $8,090-96.6% | $6,690-95.9% |
| Admin fee / account holder | $2,038 | $9,698-79.0% | $7,904-74.2% | $13,392-84.8% |