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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 | $95,755 | $64,729+47.9% | $112,263-14.7% | $68,490+39.8% |
| Participation rate | 86.2% | 67.2%+19.1pp | 75.1%+11.1pp | 67.9%+18.3pp |
| Annual return | -15.37% | -11.40%-4.0pp | 27.49%-42.9pp | -7.85%-7.5pp |
| Employer contribution / active EE | $5,832 | $2,746+112.4% | $3,636+60.4% | $2,597+124.6% |
| Participant deferral / active EE | $1,258 | $3,566-64.7% | $4,729-73.4% | $4,028-68.8% |
| Admin fee / account holder | $4,115 | $5,222-21.2% | $6,410-35.8% | $5,403-23.8% |