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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 | $78,319 | $63,346+23.6% | $92,240-15.1% | $70,126+11.7% |
| Participation rate | 76.0% | 68.7%+7.3pp | 76.5%-0.5pp | 69.5%+6.5pp |
| Annual return | 17.35% | 530.19%-512.8pp | 176.29%-158.9pp | 73.15%-55.8pp |
| Employer contribution / active EE | $3,000 | $2,471+21.4% | $3,680-18.5% | $2,343+28.1% |
| Participant deferral / active EE | $870 | $2,854-69.5% | $3,897-77.7% | $3,332-73.9% |
| Admin fee / account holder | $1,541 | $3,841-59.9% | $5,194-70.3% | $4,645-66.8% |