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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 | $45,559 | $87,546-48.0% | $75,784-39.9% | $125,389-63.7% |
| Participation rate | 88.2% | 80.2%+8.1pp | 75.8%+12.4pp | 83.2%+5.0pp |
| Annual return | -0.22% | 13.49%-13.7pp | 9.68%-9.9pp | 282.24%-282.5pp |
| Employer contribution / active EE | $3,307 | $3,930-15.9% | $3,323-0.5% | $4,866-32.0% |
| Participant deferral / active EE | $981 | $4,230-76.8% | $3,652-73.1% | $5,352-81.7% |
| Admin fee / account holder | $2,585 | $6,503-60.3% | $5,300-51.2% | $9,541-72.9% |