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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 | $43,474 | $81,504-46.7% | $102,437-57.6% | $80,959-46.3% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.92% | 25.60%-12.7pp | 24.95%-12.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $3,791 | $3,104+22.2% | $3,871-2.0% | $2,757+37.5% |
| Participant deferral / active EE | $0 | $3,871-100.0% | $5,060-100.0% | $4,300-100.0% |
| Admin fee / account holder | $4,273 | $6,719-36.4% | $8,388-49.1% | $6,925-38.3% |