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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 | $36,619 | $86,949-57.9% | $102,460-64.3% | $80,959-54.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 11.96% | 18.89%-6.9pp | 29.47%-17.5pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,558 | $2,370-34.3% | $3,025-48.5% | $2,757-43.5% |
| Participant deferral / active EE | $1,707 | $4,121-58.6% | $5,056-66.2% | $4,300-60.3% |
| Admin fee / account holder | $499 | $8,048-93.8% | $9,460-94.7% | $6,925-92.8% |