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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 | $56,891 | $184,014-69.1% | $161,149-64.7% | $138,895-59.0% |
| Participation rate | 71.4% | 82.1%-10.6pp | 78.8%-7.4pp | 79.9%-8.5pp |
| Annual return | 13.12% | 21.52%-8.4pp | 21.16%-8.0pp | 145.39%-132.3pp |
| Employer contribution / active EE | $1,322 | $5,055-73.8% | $4,360-69.7% | $4,194-68.5% |
| Participant deferral / active EE | $1,920 | $6,909-72.2% | $6,153-68.8% | $6,396-70.0% |
| Admin fee / account holder | $4,378 | $18,027-75.7% | $15,194-71.2% | $12,562-65.1% |