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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 | $213,939 | $136,860+56.3% | $120,344+77.8% | $154,746+38.3% |
| Participation rate | 78.6% | 79.9%-1.3pp | 76.7%+1.9pp | 80.7%-2.1pp |
| Annual return | 12.99% | 21.38%-8.4pp | 20.30%-7.3pp | 172.34%-159.4pp |
| Employer contribution / active EE | $12,285 | $3,533+247.7% | $3,020+306.8% | $4,379+180.5% |
| Participant deferral / active EE | $1,089 | $5,793-81.2% | $5,135-78.8% | $6,730-83.8% |
| Admin fee / account holder | $1,144 | $15,393-92.6% | $12,742-91.0% | $14,365-92.0% |