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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 | $55,478 | $74,535-25.6% | $100,712-44.9% | $82,637-32.9% |
| Participation rate | 86.8% | 61.2%+25.7pp | 69.3%+17.6pp | 68.1%+18.8pp |
| Annual return | 13.94% | 18.92%-5.0pp | 33.27%-19.3pp | 53.51%-39.6pp |
| Employer contribution / active EE | $764 | $1,503-49.1% | $2,313-66.9% | $2,552-70.0% |
| Participant deferral / active EE | $383 | $3,074-87.5% | $4,085-90.6% | $4,126-90.7% |
| Admin fee / account holder | $1,942 | $6,576-70.5% | $9,256-79.0% | $7,339-73.5% |