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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 | $29,867 | $78,423-61.9% | $95,964-68.9% | $79,856-62.6% |
| Participation rate | 77.1% | 73.5%+3.7pp | 77.1%+0.1pp | 69.6%+7.5pp |
| Annual return | 13.88% | 19.37%-5.5pp | 91.64%-77.8pp | 31.71%-17.8pp |
| Employer contribution / active EE | $1,165 | $1,945-40.1% | $2,541-54.1% | $2,471-52.8% |
| Participant deferral / active EE | $1,335 | $3,440-61.2% | $4,167-68.0% | $3,741-64.3% |
| Admin fee / account holder | $352 | $5,622-93.7% | $6,797-94.8% | $5,306-93.4% |