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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 | $26,393 | $99,345-73.4% | $84,753-68.9% | $273,972-90.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 4.19% | 22.93%-18.7pp | 22.78%-18.6pp | 41.46%-37.3pp |
| Employer contribution / active EE | $20,999 | $4,214+398.3% | $3,574+487.5% | $4,869+331.3% |
| Participant deferral / active EE | $424 | $4,270-90.1% | $3,712-88.6% | $5,287-92.0% |
| Admin fee / account holder | $1,903 | $6,645-71.4% | $5,333-64.3% | $10,133-81.2% |