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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 | $217,427-68.9% | $185,837-63.6% | $167,518-59.7% |
| Participation rate | 92.3% | 86.0%+6.3pp | 81.7%+10.6pp | 82.1%+10.2pp |
| Annual return | 15.87% | 148.39%-132.5pp | 122.08%-106.2pp | 478.71%-462.8pp |
| Employer contribution / active EE | $3,318 | $5,874-43.5% | $5,168-35.8% | $4,838-31.4% |
| Participant deferral / active EE | $1,055 | $6,357-83.4% | $5,568-81.1% | $6,342-83.4% |
| Admin fee / account holder | $500 | $19,816-97.5% | $16,241-96.9% | $12,312-95.9% |