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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 | $181,062-89.8% | $158,223-88.3% | $155,188-88.1% |
| Participation rate | 87.5% | 82.7%+4.8pp | 79.2%+8.3pp | 80.8%+6.7pp |
| Annual return | 16.08% | 57.39%-41.3pp | 52.09%-36.0pp | 148.84%-132.8pp |
| Employer contribution / active EE | $4,777 | $4,565+4.7% | $4,109+16.3% | $4,248+12.5% |
| Participant deferral / active EE | $1,133 | $6,134-81.5% | $5,467-79.3% | $6,531-82.6% |
| Admin fee / account holder | $569 | $18,825-97.0% | $16,047-96.5% | $14,480-96.1% |