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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 | $43,841 | $64,359-31.9% | $90,161-51.4% | $70,126-37.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 16.36% | 28.13%-11.8pp | 34.89%-18.5pp | 73.15%-56.8pp |
| Employer contribution / active EE | $2,969 | $2,046+45.1% | $3,318-10.5% | $2,343+26.7% |
| Participant deferral / active EE | $1,700 | $4,389-61.3% | $5,287-67.9% | $3,332-49.0% |
| Admin fee / account holder | $523 | $3,945-86.7% | $5,943-91.2% | $4,645-88.7% |