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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 | $114,755 | $156,616-26.7% | $133,346-13.9% | $198,609-42.2% |
| Participation rate | 86.4% | 77.7%+8.6pp | 72.8%+13.5pp | 82.4%+4.0pp |
| Annual return | 4.96% | 44.25%-39.3pp | 36.85%-31.9pp | 202.70%-197.7pp |
| Employer contribution / active EE | $12,009 | $3,368+256.6% | $2,853+320.9% | $5,055+137.6% |
| Participant deferral / active EE | $1,452 | $4,920-70.5% | $4,332-66.5% | $6,977-79.2% |
| Admin fee / account holder | $13,892 | $17,468-20.5% | $14,264-2.6% | $19,030-27.0% |