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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 | $88,961 | $115,225-22.8% | $100,712-11.7% | $138,895-36.0% |
| Participation rate | 80.0% | 74.3%+5.7pp | 69.3%+10.7pp | 79.9%+0.1pp |
| Annual return | 15.15% | 40.35%-25.2pp | 33.27%-18.1pp | 145.39%-130.2pp |
| Employer contribution / active EE | $1,399 | $2,771-49.5% | $2,313-39.5% | $4,194-66.6% |
| Participant deferral / active EE | $1,054 | $4,699-77.6% | $4,085-74.2% | $6,396-83.5% |
| Admin fee / account holder | $2,463 | $10,844-77.3% | $9,256-73.4% | $12,562-80.4% |