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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 | $25,647 | $98,776-74.0% | $149,745-82.9% | $79,856-67.9% |
| Participation rate | 90.0% | 75.8%+14.2pp | 82.5%+7.5pp | 69.6%+20.4pp |
| Annual return | 14.79% | 27.38%-12.6pp | 276.72%-261.9pp | 31.71%-16.9pp |
| Employer contribution / active EE | $1,488 | $3,217-53.8% | $4,646-68.0% | $2,471-39.8% |
| Participant deferral / active EE | $1,936 | $5,681-65.9% | $6,843-71.7% | $3,741-48.3% |
| Admin fee / account holder | $2,611 | $6,053-56.9% | $9,312-72.0% | $5,306-50.8% |