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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 | $68,566 | $196,972-65.2% | $182,262-62.4% | $198,609-65.5% |
| Participation rate | 95.2% | 85.7%+9.5pp | 84.2%+11.0pp | 82.4%+12.9pp |
| Annual return | 19.43% | 158.27%-138.8pp | 140.60%-121.2pp | 202.70%-183.3pp |
| Employer contribution / active EE | $8,787 | $5,364+63.8% | $5,046+74.1% | $5,055+73.8% |
| Participant deferral / active EE | $3,260 | $8,643-62.3% | $8,276-60.6% | $6,977-53.3% |
| Admin fee / account holder | $1,866 | $18,429-89.9% | $16,712-88.8% | $19,030-90.2% |