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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 | $35,953 | $65,364-45.0% | $92,909-61.3% | $72,975-50.7% |
| Participation rate | 71.4% | 68.3%+3.1pp | 76.0%-4.6pp | 69.5%+1.9pp |
| Annual return | 19.82% | 42.11%-22.3pp | 109.44%-89.6pp | 81.01%-61.2pp |
| Employer contribution / active EE | $8,290 | $2,594+219.5% | $3,653+126.9% | $2,440+239.7% |
| Participant deferral / active EE | $946 | $3,128-69.7% | $4,238-77.7% | $3,608-73.8% |
| Admin fee / account holder | $3,797 | $4,251-10.7% | $5,795-34.5% | $5,124-25.9% |