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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 | $38,871 | $112,729-65.5% | $98,716-60.6% | $137,256-71.7% |
| Participation rate | 88.9% | 74.2%+14.7pp | 69.3%+19.6pp | 80.0%+8.9pp |
| Annual return | 17.20% | 38.48%-21.3pp | 31.81%-14.6pp | 220.34%-203.1pp |
| Employer contribution / active EE | $6,063 | $2,725+122.5% | $2,279+166.1% | $4,156+45.9% |
| Participant deferral / active EE | $149 | $4,640-96.8% | $4,048-96.3% | $6,407-97.7% |
| Admin fee / account holder | $360 | $10,129-96.4% | $8,703-95.9% | $12,270-97.1% |