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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 | $112,609 | $178,174-36.8% | $156,181-27.9% | $137,256-18.0% |
| Participation rate | 81.8% | 82.0%-0.2pp | 78.8%+3.0pp | 80.0%+1.9pp |
| Annual return | 14.09% | 84.19%-70.1pp | 64.87%-50.8pp | 220.34%-206.3pp |
| Employer contribution / active EE | $1,091 | $4,972-78.1% | $4,294-74.6% | $4,156-73.7% |
| Participant deferral / active EE | $1,156 | $6,888-83.2% | $6,132-81.1% | $6,407-82.0% |
| Admin fee / account holder | $1,185 | $17,404-93.2% | $14,586-91.9% | $12,270-90.3% |