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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 | $59,126 | $138,312-57.3% | $122,979-51.9% | $155,188-61.9% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 15.13% | 22.06%-6.9pp | 20.12%-5.0pp | 148.84%-133.7pp |
| Employer contribution / active EE | $2,075 | $3,530-41.2% | $3,062-32.3% | $4,248-51.2% |
| Participant deferral / active EE | $1,540 | $5,592-72.5% | $5,003-69.2% | $6,531-76.4% |
| Admin fee / account holder | $669 | $15,089-95.6% | $12,864-94.8% | $14,480-95.4% |