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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 | $18,456 | $172,111-89.3% | $150,298-87.7% | $137,256-86.6% |
| Participation rate | 87.5% | 81.7%+5.8pp | 77.8%+9.7pp | 80.0%+7.5pp |
| Annual return | 16.08% | 69.37%-53.3pp | 62.79%-46.7pp | 220.34%-204.3pp |
| Employer contribution / active EE | $4,777 | $4,636+3.0% | $4,154+15.0% | $4,156+14.9% |
| Participant deferral / active EE | $1,133 | $6,166-81.6% | $5,453-79.2% | $6,407-82.3% |
| Admin fee / account holder | $569 | $16,471-96.5% | $14,116-96.0% | $12,270-95.4% |