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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 | $27,885 | $93,617-70.2% | $135,982-79.5% | $75,177-62.9% |
| Participation rate | 97.6% | 75.2%+22.4pp | 81.9%+15.7pp | 67.2%+30.4pp |
| Annual return | 15.30% | 30.89%-15.6pp | 68.32%-53.0pp | 160.75%-145.4pp |
| Employer contribution / active EE | $5,727 | $3,538+61.9% | $4,859+17.9% | $2,671+114.4% |
| Participant deferral / active EE | $2,312 | $6,406-63.9% | $7,760-70.2% | $4,126-44.0% |
| Admin fee / account holder | $1,036 | $6,980-85.2% | $10,767-90.4% | $5,651-81.7% |