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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 | $33,942 | $72,269-53.0% | $101,271-66.5% | $79,852-57.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 16.79% | 22.29%-5.5pp | 46.48%-29.7pp | 31.72%-14.9pp |
| Employer contribution / active EE | $4,720 | $2,692+75.3% | $3,660+28.9% | $2,471+91.0% |
| Participant deferral / active EE | $807 | $3,282-75.4% | $4,371-81.5% | $3,740-78.4% |
| Admin fee / account holder | $3,216 | $4,401-26.9% | $5,948-45.9% | $5,306-39.4% |