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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 | $39,489 | $95,453-58.6% | $112,040-64.8% | $82,448-52.1% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 13.76% | 23.92%-10.2pp | 24.52%-10.8pp | 41.64%-27.9pp |
| Employer contribution / active EE | $1,158 | $2,318-50.1% | $2,954-60.8% | $2,551-54.6% |
| Participant deferral / active EE | $1,487 | $4,224-64.8% | $5,098-70.8% | $4,139-64.1% |
| Admin fee / account holder | $2,784 | $9,013-69.1% | $12,098-77.0% | $7,234-61.5% |