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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 | $42,543 | $93,598-54.5% | $135,974-68.7% | $75,173-43.4% |
| Participation rate | 98.1% | 75.2%+22.9pp | 81.9%+16.2pp | 67.2%+30.9pp |
| Annual return | 20.00% | 30.89%-10.9pp | 68.30%-48.3pp | 160.72%-140.7pp |
| Employer contribution / active EE | $1,801 | $3,538-49.1% | $4,859-62.9% | $2,671-32.6% |
| Participant deferral / active EE | $2,058 | $6,405-67.9% | $7,760-73.5% | $4,126-50.1% |
| Admin fee / account holder | $1,405 | $6,978-79.9% | $10,767-86.9% | $5,651-75.1% |