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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 | $27,396 | $106,524-74.3% | $152,301-82.0% | $87,485-68.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 22.19% | 26.89%-4.7pp | 80.50%-58.3pp | 26.06%-3.9pp |
| Employer contribution / active EE | $4,795 | $3,371+42.2% | $4,624+3.7% | $2,596+84.7% |
| Participant deferral / active EE | $1,844 | $6,525-71.7% | $8,004-77.0% | $4,274-56.8% |
| Admin fee / account holder | $1,268 | $8,287-84.7% | $14,398-91.2% | $7,775-83.7% |