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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 | $35,269 | $97,648-63.9% | $121,663-71.0% | $87,485-59.7% |
| Participation rate | 72.3% | 70.5%+1.8pp | 74.5%-2.2pp | 68.9%+3.4pp |
| Annual return | 15.50% | 18.03%-2.5pp | 147.54%-132.0pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,322 | $2,300-42.6% | $3,020-56.2% | $2,596-49.1% |
| Participant deferral / active EE | $1,641 | $3,923-58.2% | $4,887-66.4% | $4,274-61.6% |
| Admin fee / account holder | $1,077 | $11,100-90.3% | $14,289-92.5% | $7,775-86.1% |