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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 | $84,894 | $86,938-2.4% | $102,423-17.1% | $80,925+4.9% |
| Participation rate | 94.3% | 72.4%+21.9pp | 76.5%+17.8pp | 67.7%+26.6pp |
| Annual return | 18.27% | 18.89%-0.6pp | 29.42%-11.2pp | 35.65%-17.4pp |
| Employer contribution / active EE | $8,016 | $2,369+238.3% | $3,023+165.2% | $2,756+190.8% |
| Participant deferral / active EE | $956 | $4,120-76.8% | $5,054-81.1% | $4,299-77.8% |
| Admin fee / account holder | $1,453 | $8,053-82.0% | $9,455-84.6% | $6,940-79.1% |