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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 | $29,986 | $162,136-81.5% | $152,301-80.3% | $154,746-80.6% |
| Participation rate | 95.8% | 84.1%+11.7pp | 82.4%+13.4pp | 80.7%+15.1pp |
| Annual return | 16.83% | 91.02%-74.2pp | 80.50%-63.7pp | 172.34%-155.5pp |
| Employer contribution / active EE | $5,197 | $4,890+6.3% | $4,624+12.4% | $4,379+18.7% |
| Participant deferral / active EE | $2,484 | $8,341-70.2% | $8,004-69.0% | $6,730-63.1% |
| Admin fee / account holder | $2,567 | $15,759-83.7% | $14,398-82.2% | $14,365-82.1% |