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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 | $136,364 | $183,627-25.7% | $155,602-12.4% | $145,978-6.6% |
| Participation rate | 95.7% | 82.7%+13.0pp | 78.2%+17.4pp | 80.3%+15.4pp |
| Annual return | 9.70% | 61.32%-51.6pp | 64.81%-55.1pp | 550.52%-540.8pp |
| Employer contribution / active EE | $1,577 | $5,316-70.3% | $4,675-66.3% | $4,662-66.2% |
| Participant deferral / active EE | $1,636 | $6,466-74.7% | $5,629-70.9% | $6,690-75.5% |
| Admin fee / account holder | $3,853 | $19,327-80.1% | $15,923-75.8% | $13,400-71.2% |