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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 | $33,311 | $97,289-65.8% | $92,805-64.1% | $155,188-78.5% |
| Participation rate | 100.0% | 84.2%+15.8pp | 83.5%+16.5pp | 80.8%+19.2pp |
| Annual return | 19.83% | 29.03%-9.2pp | 31.59%-11.8pp | 148.84%-129.0pp |
| Employer contribution / active EE | $1,514 | $3,632-58.3% | $3,424-55.8% | $4,248-64.4% |
| Participant deferral / active EE | $2,623 | $8,795-70.2% | $8,448-68.9% | $6,531-59.8% |
| Admin fee / account holder | $1,029 | $12,015-91.4% | $10,911-90.6% | $14,480-92.9% |