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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 | $130,815 | $213,785-38.8% | $185,441-29.5% | $155,188-15.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 10.55% | 19.97%-9.4pp | 20.16%-9.6pp | 148.84%-138.3pp |
| Employer contribution / active EE | $5,900 | $5,393+9.4% | $4,672+26.3% | $4,248+38.9% |
| Participant deferral / active EE | $708 | $6,864-89.7% | $6,152-88.5% | $6,531-89.2% |
| Admin fee / account holder | $854 | $21,134-96.0% | $17,890-95.2% | $14,480-94.1% |