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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 | $111,537 | $115,917-3.8% | $100,535+10.9% | $158,982-29.8% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 12.84% | 34.80%-22.0pp | 30.90%-18.1pp | 302.99%-290.2pp |
| Employer contribution / active EE | $4,887 | $4,105+19.0% | $3,419+43.0% | $4,763+2.6% |
| Participant deferral / active EE | $397 | $6,677-94.1% | $6,271-93.7% | $5,983-93.4% |
| Admin fee / account holder | $888 | $11,002-91.9% | $8,085-89.0% | $11,252-92.1% |