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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 | $31,439 | $53,128-40.8% | $86,581-63.7% | $70,124-55.2% |
| Participation rate | 100.0% | 65.3%+34.7pp | 73.5%+26.5pp | 69.5%+30.5pp |
| Annual return | 15.05% | 27.66%-12.6pp | 965.06%-950.0pp | 73.14%-58.1pp |
| Employer contribution / active EE | $2,392 | $2,068+15.6% | $2,840-15.8% | $2,342+2.1% |
| Participant deferral / active EE | $586 | $2,695-78.3% | $3,609-83.8% | $3,332-82.4% |
| Admin fee / account holder | $338 | $3,584-90.6% | $4,904-93.1% | $4,645-92.7% |