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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 | $39,525 | $73,978-46.6% | $96,515-59.0% | $75,173-47.4% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 15.68% | 26.72%-11.0pp | 35.73%-20.0pp | 160.72%-145.0pp |
| Employer contribution / active EE | $8,855 | $2,931+202.2% | $3,740+136.8% | $2,671+231.5% |
| Participant deferral / active EE | $1,230 | $3,660-66.4% | $4,880-74.8% | $4,126-70.2% |
| Admin fee / account holder | $851 | $5,219-83.7% | $6,735-87.4% | $5,651-84.9% |