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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 | $129,023 | $176,105-26.7% | $159,474-19.1% | $167,536-23.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.05% | 331.91%-319.9pp | 263.68%-251.6pp | 478.82%-466.8pp |
| Employer contribution / active EE | $8,770 | $5,299+65.5% | $4,831+81.5% | $4,839+81.2% |
| Participant deferral / active EE | $2,274 | $7,751-70.7% | $7,353-69.1% | $6,342-64.2% |
| Admin fee / account holder | $9,924 | $12,559-21.0% | $10,802-8.1% | $12,315-19.4% |