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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 | $35,542 | $65,367-45.6% | $92,915-61.7% | $72,976-51.3% |
| Participation rate | 91.9% | 68.3%+23.6pp | 76.0%+15.9pp | 69.5%+22.4pp |
| Annual return | 22.54% | 42.11%-19.6pp | 109.45%-86.9pp | 81.02%-58.5pp |
| Employer contribution / active EE | $7,802 | $2,594+200.8% | $3,653+113.5% | $2,440+219.7% |
| Participant deferral / active EE | $1,030 | $3,128-67.1% | $4,238-75.7% | $3,608-71.4% |
| Admin fee / account holder | $1,563 | $4,251-63.2% | $5,796-73.0% | $5,124-69.5% |