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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 | $169,852 | $227,399-25.3% | $189,758-10.5% | $198,609-14.5% |
| Participation rate | 91.7% | 84.0%+7.7pp | 79.8%+11.9pp | 82.4%+9.3pp |
| Annual return | 6.92% | 61.03%-54.1pp | 52.62%-45.7pp | 202.70%-195.8pp |
| Employer contribution / active EE | $7,562 | $5,526+36.8% | $4,767+58.6% | $5,055+49.6% |
| Participant deferral / active EE | $2,950 | $6,837-56.8% | $5,856-49.6% | $6,977-57.7% |
| Admin fee / account holder | $1,563 | $25,162-93.8% | $20,388-92.3% | $19,030-91.8% |