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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 | $19,765 | $56,894-65.3% | $84,753-76.7% | $62,881-68.6% |
| Participation rate | 85.7% | 68.5%+17.2pp | 76.6%+9.1pp | 69.3%+16.4pp |
| Annual return | 9.11% | 6.30%+2.8pp | 22.78%-13.7pp | 20.14%-11.0pp |
| Employer contribution / active EE | $9,217 | $2,400+284.1% | $3,574+157.9% | $2,281+304.1% |
| Participant deferral / active EE | $892 | $2,709-67.1% | $3,712-76.0% | $3,203-72.2% |
| Admin fee / account holder | $2,291 | $3,581-36.0% | $5,333-57.0% | $4,296-46.7% |