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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 | $44,968 | $72,486-38.0% | $87,103-48.4% | $72,976-38.4% |
| Participation rate | 94.3% | 72.8%+21.5pp | 76.9%+17.5pp | 69.5%+24.9pp |
| Annual return | 16.45% | 24.46%-8.0pp | 28.19%-11.7pp | 81.02%-64.6pp |
| Employer contribution / active EE | $3,187 | $1,894+68.3% | $2,521+26.4% | $2,440+30.6% |
| Participant deferral / active EE | $1,453 | $3,270-55.6% | $4,049-64.1% | $3,608-59.7% |
| Admin fee / account holder | $2,021 | $5,055-60.0% | $7,491-73.0% | $5,124-60.6% |