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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 | $196,972-18.2% | $182,262-11.6% | $198,609-18.9% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 12.77% | 158.27%-145.5pp | 140.60%-127.8pp | 202.70%-189.9pp |
| Employer contribution / active EE | $6,922 | $5,364+29.1% | $5,046+37.2% | $5,055+36.9% |
| Participant deferral / active EE | $2,556 | $8,643-70.4% | $8,276-69.1% | $6,977-63.4% |
| Admin fee / account holder | $4,530 | $18,429-75.4% | $16,712-72.9% | $19,030-76.2% |