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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 | $227,399-81.3% | $189,758-77.6% | $198,609-78.6% |
| Participation rate | 90.0% | 84.0%+6.0pp | 79.8%+10.2pp | 82.4%+7.6pp |
| Annual return | 14.83% | 61.03%-46.2pp | 52.62%-37.8pp | 202.70%-187.9pp |
| Employer contribution / active EE | $2,217 | $5,526-59.9% | $4,767-53.5% | $5,055-56.2% |
| Participant deferral / active EE | $1,875 | $6,837-72.6% | $5,856-68.0% | $6,977-73.1% |
| Admin fee / account holder | $5,744 | $25,162-77.2% | $20,388-71.8% | $19,030-69.8% |