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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 | $50,159 | $88,707-43.5% | $74,184-32.4% | $273,972-81.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 2.85% | 11.94%-9.1pp | 17.74%-14.9pp | 41.46%-38.6pp |
| Employer contribution / active EE | $1,816 | $3,159-42.5% | $2,370-23.4% | $4,869-62.7% |
| Participant deferral / active EE | $1,138 | $4,212-73.0% | $3,550-67.9% | $5,287-78.5% |
| Admin fee / account holder | $1,775 | $8,717-79.6% | $5,586-68.2% | $10,133-82.5% |