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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 | $53,024 | $96,731-45.2% | $123,973-57.2% | $86,983-39.0% |
| Participation rate | 88.6% | 70.0%+18.6pp | 76.7%+12.0pp | 69.5%+19.1pp |
| Annual return | 12.33% | 17.33%-5.0pp | 388.13%-375.8pp | 25.83%-13.5pp |
| Employer contribution / active EE | $22,174 | $3,297+572.6% | $4,126+437.5% | $2,584+758.0% |
| Participant deferral / active EE | $176 | $4,152-95.8% | $5,247-96.7% | $4,194-95.8% |
| Admin fee / account holder | $8,971 | $8,722+2.8% | $11,799-24.0% | $7,856+14.2% |