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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 | $100,079 | $118,708-15.7% | $98,920+1.2% | $158,966-37.0% |
| Participation rate | 88.9% | 77.8%+11.1pp | 76.0%+12.9pp | 82.0%+6.9pp |
| Annual return | 10.91% | 372.49%-361.6pp | 196.47%-185.6pp | 302.95%-292.0pp |
| Employer contribution / active EE | $1,099 | $3,334-67.0% | $2,689-59.1% | $4,762-76.9% |
| Participant deferral / active EE | $932 | $5,089-81.7% | $4,245-78.1% | $5,983-84.4% |
| Admin fee / account holder | $8,941 | $10,134-11.8% | $6,643+34.6% | $11,250-20.5% |