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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 | $67,581 | $217,432-68.9% | $185,851-63.6% | $167,553-59.7% |
| Participation rate | 92.3% | 86.1%+6.3pp | 81.7%+10.6pp | 82.1%+10.2pp |
| Annual return | 15.87% | 148.43%-132.6pp | 122.11%-106.2pp | 478.89%-463.0pp |
| Employer contribution / active EE | $3,318 | $5,874-43.5% | $5,168-35.8% | $4,840-31.5% |
| Participant deferral / active EE | $1,055 | $6,357-83.4% | $5,569-81.1% | $6,343-83.4% |
| Admin fee / account holder | $500 | $19,820-97.5% | $16,245-96.9% | $12,316-95.9% |