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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 | $61,845 | $196,972-68.6% | $182,262-66.1% | $198,609-68.9% |
| Participation rate | 76.5% | 85.7%-9.2pp | 84.2%-7.7pp | 82.4%-5.9pp |
| Annual return | 15.53% | 158.27%-142.7pp | 140.60%-125.1pp | 202.70%-187.2pp |
| Employer contribution / active EE | $1,938 | $5,364-63.9% | $5,046-61.6% | $5,055-61.7% |
| Participant deferral / active EE | $3,144 | $8,643-63.6% | $8,276-62.0% | $6,977-54.9% |
| Admin fee / account holder | $1,190 | $18,429-93.5% | $16,712-92.9% | $19,030-93.7% |