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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 | $47,645 | $115,810-58.9% | $101,271-53.0% | $158,966-70.0% |
| Participation rate | 88.9% | 79.4%+9.5pp | 75.8%+13.1pp | 82.0%+6.9pp |
| Annual return | 19.23% | 56.15%-36.9pp | 46.48%-27.2pp | 302.95%-283.7pp |
| Employer contribution / active EE | $2,667 | $4,175-36.1% | $3,660-27.1% | $4,762-44.0% |
| Participant deferral / active EE | $1,286 | $4,958-74.1% | $4,371-70.6% | $5,983-78.5% |
| Admin fee / account holder | $352 | $7,248-95.1% | $5,948-94.1% | $11,250-96.9% |