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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 | $42,418 | $185,312-77.1% | $161,489-73.7% | $154,746-72.6% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 14.83% | 103.84%-89.0pp | 89.72%-74.9pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,217 | $4,769-53.5% | $4,268-48.1% | $4,379-49.4% |
| Participant deferral / active EE | $1,875 | $6,350-70.5% | $5,630-66.7% | $6,730-72.1% |
| Admin fee / account holder | $5,744 | $18,654-69.2% | $16,006-64.1% | $14,365-60.0% |