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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 | $127,364 | $165,399-23.0% | $149,745-14.9% | $158,982-19.9% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 10.88% | 348.34%-337.5pp | 276.72%-265.8pp | 302.99%-292.1pp |
| Employer contribution / active EE | $7,555 | $5,105+48.0% | $4,646+62.6% | $4,763+58.6% |
| Participant deferral / active EE | $789 | $7,183-89.0% | $6,843-88.5% | $5,983-86.8% |
| Admin fee / account holder | $946 | $10,811-91.3% | $9,312-89.8% | $11,252-91.6% |