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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 | $133,085 | $81,476+63.3% | $102,383+30.0% | $80,925+64.5% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.78% | 25.59%-12.8pp | 24.94%-12.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $6,597 | $3,105+112.5% | $3,870+70.4% | $2,756+139.3% |
| Participant deferral / active EE | $455 | $3,871-88.3% | $5,060-91.0% | $4,299-89.4% |
| Admin fee / account holder | $6,529 | $6,717-2.8% | $8,391-22.2% | $6,940-5.9% |