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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 | $55,379 | $138,393-60.0% | $184,256-69.9% | $80,959-31.6% |
| Participation rate | 98.5% | 83.9%+14.6pp | 86.8%+11.7pp | 67.7%+30.9pp |
| Annual return | 11.37% | 20.01%-8.6pp | 28.85%-17.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,995 | $4,847-58.8% | $6,427-69.0% | $2,757-27.6% |
| Participant deferral / active EE | $3,113 | $7,076-56.0% | $9,133-65.9% | $4,300-27.6% |
| Admin fee / account holder | $626 | $10,489-94.0% | $13,899-95.5% | $6,925-91.0% |