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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 | $104,947 | $69,977+50.0% | $108,582-3.3% | $62,881+66.9% |
| Participation rate | 71.1% | 72.9%-1.8pp | 79.6%-8.5pp | 69.3%+1.7pp |
| Annual return | 6.06% | 10.73%-4.7pp | -51.70%+57.8pp | 20.14%-14.1pp |
| Employer contribution / active EE | $4,585 | $2,135+114.8% | $3,758+22.0% | $2,281+101.0% |
| Participant deferral / active EE | $950 | $3,165-70.0% | $4,311-78.0% | $3,203-70.3% |
| Admin fee / account holder | $2,617 | $5,076-48.4% | $7,645-65.8% | $4,296-39.1% |