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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 | $43,675 | $162,136-73.1% | $152,301-71.3% | $154,746-71.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 12.04% | 91.02%-79.0pp | 80.50%-68.5pp | 172.34%-160.3pp |
| Employer contribution / active EE | $1,855 | $4,890-62.1% | $4,624-59.9% | $4,379-57.7% |
| Participant deferral / active EE | $2,182 | $8,341-73.8% | $8,004-72.7% | $6,730-67.6% |
| Admin fee / account holder | $4,776 | $15,759-69.7% | $14,398-66.8% | $14,365-66.8% |