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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 | $54,541 | $111,814-51.2% | $103,374-47.2% | $145,959-62.6% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 9.98% | 24.77%-14.8pp | 24.89%-14.9pp | 561.95%-552.0pp |
| Employer contribution / active EE | $16,111 | $4,214+282.4% | $3,869+316.4% | $4,661+245.7% |
| Participant deferral / active EE | $1,343 | $5,618-76.1% | $5,058-73.5% | $6,689-79.9% |
| Admin fee / account holder | $301 | $9,754-96.9% | $8,394-96.4% | $13,398-97.8% |