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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 | $216,917 | $127,387+70.3% | $115,038+88.6% | $125,389+73.0% |
| Participation rate | 75.0% | 84.2%-9.2pp | 81.4%-6.4pp | 83.2%-8.2pp |
| Annual return | -0.30% | 31.28%-31.6pp | 26.14%-26.4pp | 282.24%-282.5pp |
| Employer contribution / active EE | $1,004 | $5,166-80.6% | $4,608-78.2% | $4,866-79.4% |
| Participant deferral / active EE | $1,925 | $6,423-70.0% | $6,026-68.1% | $5,352-64.0% |
| Admin fee / account holder | $548 | $9,516-94.2% | $8,175-93.3% | $9,541-94.3% |