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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 | $115,471 | $157,829-26.8% | $136,867-15.6% | $198,609-41.9% |
| Participation rate | 71.4% | 77.2%-5.7pp | 74.5%-3.1pp | 82.4%-10.9pp |
| Annual return | 14.68% | 51.25%-36.6pp | 42.97%-28.3pp | 202.70%-188.0pp |
| Employer contribution / active EE | $1,386 | $3,923-64.7% | $3,547-60.9% | $5,055-72.6% |
| Participant deferral / active EE | $1,622 | $5,463-70.3% | $4,924-67.1% | $6,977-76.7% |
| Admin fee / account holder | $2,979 | $11,107-73.2% | $10,340-71.2% | $19,030-84.3% |