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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 | $46,114 | $199,109-76.8% | $173,730-73.5% | $154,746-70.2% |
| Participation rate | 93.3% | 82.8%+10.5pp | 79.6%+13.8pp | 80.7%+12.6pp |
| Annual return | 11.80% | 20.02%-8.2pp | 19.96%-8.2pp | 172.34%-160.5pp |
| Employer contribution / active EE | $7,715 | $5,311+45.2% | $4,577+68.5% | $4,379+76.2% |
| Participant deferral / active EE | $0 | $7,113-100.0% | $6,326-100.0% | $6,730-100.0% |
| Admin fee / account holder | $539 | $20,916-97.4% | $17,523-96.9% | $14,365-96.2% |