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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 | $43,973 | $127,387-65.5% | $115,038-61.8% | $125,389-64.9% |
| Participation rate | 82.6% | 84.2%-1.5pp | 81.4%+1.2pp | 83.2%-0.6pp |
| Annual return | 0.20% | 31.28%-31.1pp | 26.14%-25.9pp | 282.24%-282.0pp |
| Employer contribution / active EE | $8,168 | $5,166+58.1% | $4,608+77.3% | $4,866+67.9% |
| Participant deferral / active EE | $956 | $6,423-85.1% | $6,026-84.1% | $5,352-82.1% |
| Admin fee / account holder | $2,457 | $9,516-74.2% | $8,175-69.9% | $9,541-74.2% |