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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 | $31,502 | $115,225-72.7% | $100,712-68.7% | $138,895-77.3% |
| Participation rate | 79.2% | 74.3%+4.8pp | 69.3%+9.9pp | 79.9%-0.8pp |
| Annual return | 13.35% | 40.35%-27.0pp | 33.27%-19.9pp | 145.39%-132.0pp |
| Employer contribution / active EE | $1,036 | $2,771-62.6% | $2,313-55.2% | $4,194-75.3% |
| Participant deferral / active EE | $1,117 | $4,699-76.2% | $4,085-72.7% | $6,396-82.5% |
| Admin fee / account holder | $572 | $10,844-94.7% | $9,256-93.8% | $12,562-95.4% |