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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 | $75,769 | $80,992-6.4% | $96,534-21.5% | $75,173+0.8% |
| Participation rate | 96.6% | 71.8%+24.8pp | 76.0%+20.6pp | 67.2%+29.3pp |
| Annual return | 23.68% | 27.05%-3.4pp | 25.88%-2.2pp | 160.72%-137.0pp |
| Employer contribution / active EE | $7,507 | $2,283+228.9% | $2,965+153.1% | $2,671+181.1% |
| Participant deferral / active EE | $990 | $3,929-74.8% | $4,851-79.6% | $4,126-76.0% |
| Admin fee / account holder | $1,307 | $6,717-80.5% | $8,253-84.2% | $5,651-76.9% |