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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 | $97,550-59.5% | $120,344-67.2% | $87,485-54.9% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 13.76% | 18.41%-4.7pp | 20.30%-6.5pp | 26.06%-12.3pp |
| Employer contribution / active EE | $1,158 | $2,291-49.5% | $3,020-61.7% | $2,596-55.4% |
| Participant deferral / active EE | $1,487 | $4,230-64.8% | $5,135-71.0% | $4,274-65.2% |
| Admin fee / account holder | $2,784 | $9,543-70.8% | $12,742-78.1% | $7,775-64.2% |