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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 | $23,854 | $89,259-73.3% | $107,187-77.7% | $82,637-71.1% |
| Participation rate | 94.6% | 67.9%+26.7pp | 75.0%+19.6pp | 68.1%+26.5pp |
| Annual return | 16.81% | 21.02%-4.2pp | 204.55%-187.7pp | 53.51%-36.7pp |
| Employer contribution / active EE | $5,594 | $3,080+81.6% | $3,782+47.9% | $2,552+119.2% |
| Participant deferral / active EE | $1,501 | $4,037-62.8% | $5,096-70.5% | $4,126-63.6% |
| Admin fee / account holder | $320 | $7,381-95.7% | $9,162-96.5% | $7,339-95.6% |