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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 | $29,200 | $65,364-55.3% | $92,909-68.6% | $72,975-60.0% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 20.68% | 42.11%-21.4pp | 109.44%-88.8pp | 81.01%-60.3pp |
| Employer contribution / active EE | $11,448 | $2,594+341.3% | $3,653+213.4% | $2,440+369.2% |
| Participant deferral / active EE | $883 | $3,128-71.8% | $4,238-79.2% | $3,608-75.5% |
| Admin fee / account holder | $1,552 | $4,251-63.5% | $5,795-73.2% | $5,124-69.7% |