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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 | $42,618 | $63,346-32.7% | $92,240-53.8% | $70,126-39.2% |
| Participation rate | 84.1% | 68.7%+15.5pp | 76.5%+7.7pp | 69.5%+14.6pp |
| Annual return | 17.68% | 530.19%-512.5pp | 176.29%-158.6pp | 73.15%-55.5pp |
| Employer contribution / active EE | $3,902 | $2,471+57.9% | $3,680+6.0% | $2,343+66.6% |
| Participant deferral / active EE | $878 | $2,854-69.2% | $3,897-77.5% | $3,332-73.6% |
| Admin fee / account holder | $3,606 | $3,841-6.1% | $5,194-30.6% | $4,645-22.4% |