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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 | $33,545 | $76,551-56.2% | $123,894-72.9% | $62,881-46.7% |
| Participation rate | 87.9% | 73.0%+14.9pp | 81.4%+6.5pp | 69.3%+18.6pp |
| Annual return | 7.10% | 18.68%-11.6pp | 47.52%-40.4pp | 20.14%-13.0pp |
| Employer contribution / active EE | $5,018 | $2,882+74.1% | $4,617+8.7% | $2,281+120.0% |
| Participant deferral / active EE | $1,347 | $4,840-72.2% | $5,984-77.5% | $3,203-57.9% |
| Admin fee / account holder | $1,338 | $4,826-72.3% | $8,357-84.0% | $4,296-68.9% |