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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 | $73,298 | $67,602+8.4% | $82,312-11.0% | $70,126+4.5% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 14.64% | 21.57%-6.9pp | 25.88%-11.2pp | 73.15%-58.5pp |
| Employer contribution / active EE | $5,566 | $1,755+217.2% | $2,428+129.2% | $2,343+137.6% |
| Participant deferral / active EE | $1,275 | $2,987-57.3% | $3,706-65.6% | $3,332-61.7% |
| Admin fee / account holder | $1,821 | $4,512-59.6% | $5,608-67.5% | $4,645-60.8% |