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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 | $85,317 | $138,312-38.3% | $122,979-30.6% | $155,188-45.0% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 12.02% | 22.06%-10.0pp | 20.12%-8.1pp | 148.84%-136.8pp |
| Employer contribution / active EE | $9,392 | $3,530+166.0% | $3,062+206.7% | $4,248+121.1% |
| Participant deferral / active EE | $0 | $5,592-100.0% | $5,003-100.0% | $6,531-100.0% |
| Admin fee / account holder | $865 | $15,089-94.3% | $12,864-93.3% | $14,480-94.0% |