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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 | $32,921 | $93,598-64.8% | $135,974-75.8% | $75,173-56.2% |
| Participation rate | 78.5% | 75.2%+3.3pp | 81.9%-3.4pp | 67.2%+11.3pp |
| Annual return | 16.65% | 30.89%-14.2pp | 68.30%-51.7pp | 160.72%-144.1pp |
| Employer contribution / active EE | $3,097 | $3,538-12.5% | $4,859-36.3% | $2,671+16.0% |
| Participant deferral / active EE | $1,918 | $6,405-70.1% | $7,760-75.3% | $4,126-53.5% |
| Admin fee / account holder | $1,575 | $6,978-77.4% | $10,767-85.4% | $5,651-72.1% |