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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 | $58,843 | $178,174-67.0% | $156,181-62.3% | $137,256-57.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 19.47% | 84.19%-64.7pp | 64.87%-45.4pp | 220.34%-200.9pp |
| Employer contribution / active EE | $1,453 | $4,972-70.8% | $4,294-66.2% | $4,156-65.1% |
| Participant deferral / active EE | $1,483 | $6,888-78.5% | $6,132-75.8% | $6,407-76.9% |
| Admin fee / account holder | $333 | $17,404-98.1% | $14,586-97.7% | $12,270-97.3% |