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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 | $28,656 | $65,367-56.2% | $92,915-69.2% | $72,976-60.7% |
| Participation rate | 97.4% | 68.3%+29.1pp | 76.0%+21.4pp | 69.5%+27.9pp |
| Annual return | 18.40% | 42.11%-23.7pp | 109.45%-91.0pp | 81.02%-62.6pp |
| Employer contribution / active EE | $4,528 | $2,594+74.6% | $3,653+23.9% | $2,440+85.6% |
| Participant deferral / active EE | $1,110 | $3,128-64.5% | $4,238-73.8% | $3,608-69.2% |
| Admin fee / account holder | $3,221 | $4,251-24.2% | $5,796-44.4% | $5,124-37.2% |