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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 | $161,045 | $162,136-0.7% | $152,301+5.7% | $154,746+4.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 12.77% | 91.02%-78.2pp | 80.50%-67.7pp | 172.34%-159.6pp |
| Employer contribution / active EE | $6,922 | $4,890+41.5% | $4,624+49.7% | $4,379+58.1% |
| Participant deferral / active EE | $2,556 | $8,341-69.4% | $8,004-68.1% | $6,730-62.0% |
| Admin fee / account holder | $4,530 | $15,759-71.3% | $14,398-68.5% | $14,365-68.5% |