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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 | $97,418 | $127,387-23.5% | $115,038-15.3% | $125,389-22.3% |
| Participation rate | 80.0% | 84.2%-4.2pp | 81.4%-1.4pp | 83.2%-3.2pp |
| Annual return | -1.13% | 31.28%-32.4pp | 26.14%-27.3pp | 282.24%-283.4pp |
| Employer contribution / active EE | $1,799 | $5,166-65.2% | $4,608-60.9% | $4,866-63.0% |
| Participant deferral / active EE | $1,509 | $6,423-76.5% | $6,026-75.0% | $5,352-71.8% |
| Admin fee / account holder | $1,798 | $9,516-81.1% | $8,175-78.0% | $9,541-81.2% |