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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 | $31,534 | $72,027-56.2% | $185,861-83.0% | $79,856-60.5% |
| Participation rate | 83.6% | 65.8%+17.9pp | 78.0%+5.6pp | 69.6%+14.0pp |
| Annual return | 14.24% | 23.13%-8.9pp | 35.96%-21.7pp | 31.71%-17.5pp |
| Employer contribution / active EE | $1,312 | $1,965-33.3% | $4,088-67.9% | $2,471-46.9% |
| Participant deferral / active EE | $878 | $3,780-76.8% | $5,634-84.4% | $3,741-76.5% |
| Admin fee / account holder | $6,507 | $4,513+44.2% | $9,503-31.5% | $5,306+22.6% |