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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 | $36,021 | $86,938-58.6% | $102,423-64.8% | $80,925-55.5% |
| Participation rate | 81.8% | 72.4%+9.4pp | 76.5%+5.3pp | 67.7%+14.2pp |
| Annual return | 40.55% | 18.89%+21.7pp | 29.42%+11.1pp | 35.65%+4.9pp |
| Employer contribution / active EE | $2,345 | $2,369-1.0% | $3,023-22.4% | $2,756-14.9% |
| Participant deferral / active EE | $1,407 | $4,120-65.9% | $5,054-72.2% | $4,299-67.3% |
| Admin fee / account holder | $1,077 | $8,053-86.6% | $9,455-88.6% | $6,940-84.5% |