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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 | $46,244 | $99,345-53.5% | $84,753-45.4% | $273,972-83.1% |
| Participation rate | 91.7% | 80.7%+11.0pp | 76.6%+15.1pp | 83.0%+8.7pp |
| Annual return | 8.25% | 22.93%-14.7pp | 22.78%-14.5pp | 41.46%-33.2pp |
| Employer contribution / active EE | $4,949 | $4,214+17.4% | $3,574+38.4% | $4,869+1.6% |
| Participant deferral / active EE | $778 | $4,270-81.8% | $3,712-79.0% | $5,287-85.3% |
| Admin fee / account holder | $443 | $6,645-93.3% | $5,333-91.7% | $10,133-95.6% |