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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 | $23,870 | $126,519-81.1% | $106,201-77.5% | $145,959-83.6% |
| Participation rate | 86.4% | 77.7%+8.7pp | 75.3%+11.1pp | 80.3%+6.1pp |
| Annual return | 13.84% | 225.10%-211.3pp | 116.26%-102.4pp | 561.95%-548.1pp |
| Employer contribution / active EE | $965 | $3,726-74.1% | $3,170-69.5% | $4,661-79.3% |
| Participant deferral / active EE | $1,075 | $5,716-81.2% | $5,012-78.5% | $6,689-83.9% |
| Admin fee / account holder | $922 | $17,312-94.7% | $11,039-91.6% | $13,398-93.1% |