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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 | $12,685 | $96,524-86.9% | $75,900-83.3% | $152,909-91.7% |
| Participation rate | 90.0% | 76.2%+13.8pp | 69.3%+20.7pp | 82.5%+7.5pp |
| Annual return | 23.03% | 33.93%-10.9pp | 30.73%-7.7pp | 345.46%-322.4pp |
| Employer contribution / active EE | $2,093 | $3,311-36.8% | $2,501-16.3% | $4,764-56.1% |
| Participant deferral / active EE | $321 | $4,554-92.9% | $3,604-91.1% | $5,851-94.5% |
| Admin fee / account holder | $519 | $8,082-93.6% | $5,421-90.4% | $11,601-95.5% |