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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 | $51,204 | $86,298-40.7% | $111,308-54.0% | $85,847-40.4% |
| Participation rate | 93.4% | 73.3%+20.1pp | 77.3%+16.1pp | 69.3%+24.1pp |
| Annual return | 12.68% | 19.99%-7.3pp | 54.67%-42.0pp | 318.61%-305.9pp |
| Employer contribution / active EE | $2,504 | $2,044+22.5% | $2,732-8.3% | $2,565-2.4% |
| Participant deferral / active EE | $1,444 | $3,641-60.3% | $4,487-67.8% | $3,952-63.5% |
| Admin fee / account holder | $1,986 | $8,189-75.8% | $7,965-75.1% | $6,261-68.3% |