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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 | $181,062-76.6% | $158,223-73.2% | $155,188-72.7% |
| Participation rate | 90.0% | 82.7%+7.3pp | 79.2%+10.8pp | 80.8%+9.2pp |
| Annual return | 14.83% | 57.39%-42.6pp | 52.09%-37.3pp | 148.84%-134.0pp |
| Employer contribution / active EE | $2,217 | $4,565-51.4% | $4,109-46.0% | $4,248-47.8% |
| Participant deferral / active EE | $1,875 | $6,134-69.4% | $5,467-65.7% | $6,531-71.3% |
| Admin fee / account holder | $5,744 | $18,825-69.5% | $16,047-64.2% | $14,480-60.3% |