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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 | $31,276 | $80,992-61.4% | $96,534-67.6% | $75,173-58.4% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 13.19% | 27.05%-13.9pp | 25.88%-12.7pp | 160.72%-147.5pp |
| Employer contribution / active EE | $1,275 | $2,283-44.1% | $2,965-57.0% | $2,671-52.3% |
| Participant deferral / active EE | $1,360 | $3,929-65.4% | $4,851-72.0% | $4,126-67.0% |
| Admin fee / account holder | $2,438 | $6,717-63.7% | $8,253-70.5% | $5,651-56.9% |