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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 | $127,921 | $110,410+15.9% | $102,437+24.9% | $145,897-12.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 15.39% | 24.85%-9.5pp | 24.95%-9.6pp | 552.29%-536.9pp |
| Employer contribution / active EE | $7,043 | $4,217+67.0% | $3,871+82.0% | $4,663+51.1% |
| Participant deferral / active EE | $357 | $5,622-93.7% | $5,060-93.0% | $6,689-94.7% |
| Admin fee / account holder | $4,346 | $9,745-55.4% | $8,388-48.2% | $13,390-67.5% |