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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 | $61,364 | $56,287+9.0% | $80,977-24.2% | $62,881-2.4% |
| Participation rate | 75.3% | 68.9%+6.3pp | 75.8%-0.5pp | 69.3%+6.0pp |
| Annual return | 9.24% | 22.13%-12.9pp | 17.11%-7.9pp | 20.14%-10.9pp |
| Employer contribution / active EE | $3,667 | $1,943+88.8% | $3,715-1.3% | $2,281+60.8% |
| Participant deferral / active EE | $926 | $4,196-77.9% | $5,696-83.7% | $3,203-71.1% |
| Admin fee / account holder | $3,187 | $3,742-14.8% | $5,517-42.2% | $4,296-25.8% |