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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 | $11,797 | $106,280-88.9% | $96,538-87.8% | $139,487-91.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 21.20% | 38.48%-17.3pp | 35.74%-14.5pp | 373.84%-352.6pp |
| Employer contribution / active EE | $1,711 | $4,107-58.3% | $3,740-54.3% | $4,755-64.0% |
| Participant deferral / active EE | $1,129 | $5,457-79.3% | $4,880-76.9% | $6,713-83.2% |
| Admin fee / account holder | $1,288 | $7,888-83.7% | $6,737-80.9% | $11,407-88.7% |