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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 | $188,870 | $217,432-13.1% | $185,851+1.6% | $167,553+12.7% |
| Participation rate | 85.7% | 86.1%-0.3pp | 81.7%+4.0pp | 82.1%+3.6pp |
| Annual return | 11.75% | 148.43%-136.7pp | 122.11%-110.4pp | 478.89%-467.1pp |
| Employer contribution / active EE | $8,589 | $5,874+46.2% | $5,168+66.2% | $4,840+77.5% |
| Participant deferral / active EE | $87 | $6,357-98.6% | $5,569-98.4% | $6,343-98.6% |
| Admin fee / account holder | $723 | $19,820-96.4% | $16,245-95.6% | $12,316-94.1% |