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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 | $77,838 | $77,8170% | $123,553-37.0% | $64,173+21.3% |
| Participation rate | 83.9% | 74.7%+9.2pp | 82.3%+1.6pp | 69.6%+14.3pp |
| Annual return | -5.61% | 12.49%-18.1pp | 119.21%-124.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $1,219 | $3,014-59.6% | $4,628-73.7% | $2,381-48.8% |
| Participant deferral / active EE | $2,176 | $5,240-58.5% | $6,426-66.1% | $3,470-37.3% |
| Admin fee / account holder | $4,755 | $5,519-13.8% | $9,284-48.8% | $4,887-2.7% |