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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 | $142,542 | $110,337+29.2% | $102,383+39.2% | $145,877-2.3% |
| Participation rate | 70.0% | 77.9%-7.9pp | 74.5%-4.5pp | 80.3%-10.3pp |
| Annual return | 10.15% | 24.83%-14.7pp | 24.94%-14.8pp | 551.28%-541.1pp |
| Employer contribution / active EE | $1,258 | $4,216-70.2% | $3,870-67.5% | $4,663-73.0% |
| Participant deferral / active EE | $1,416 | $5,621-74.8% | $5,060-72.0% | $6,691-78.8% |
| Admin fee / account holder | $14,201 | $9,750+45.7% | $8,391+69.2% | $13,402+6.0% |