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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 | $52,602 | $77,816-32.4% | $123,552-57.4% | $64,173-18.0% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | 3.01% | 12.49%-9.5pp | 119.20%-116.2pp | 7.63%-4.6pp |
| Employer contribution / active EE | $1,581 | $3,014-47.6% | $4,628-65.8% | $2,381-33.6% |
| Participant deferral / active EE | $2,153 | $5,240-58.9% | $6,426-66.5% | $3,470-38.0% |
| Admin fee / account holder | $392 | $5,519-92.9% | $9,285-95.8% | $4,887-92.0% |