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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 | $60,855 | $199,109-69.4% | $173,730-65.0% | $154,746-60.7% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 16.60% | 20.02%-3.4pp | 19.96%-3.4pp | 172.34%-155.7pp |
| Employer contribution / active EE | $7,644 | $5,311+43.9% | $4,577+67.0% | $4,379+74.6% |
| Participant deferral / active EE | $1,224 | $7,113-82.8% | $6,326-80.6% | $6,730-81.8% |
| Admin fee / account holder | $512 | $20,916-97.6% | $17,523-97.1% | $14,365-96.4% |