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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 | $25,049 | $93,598-73.2% | $135,974-81.6% | $75,173-66.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 17.78% | 30.89%-13.1pp | 68.30%-50.5pp | 160.72%-142.9pp |
| Employer contribution / active EE | $5,508 | $3,538+55.7% | $4,859+13.4% | $2,671+106.2% |
| Participant deferral / active EE | $1,556 | $6,405-75.7% | $7,760-80.0% | $4,126-62.3% |
| Admin fee / account holder | $398 | $6,978-94.3% | $10,767-96.3% | $5,651-93.0% |