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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 | $99,875-72.6% | $146,866-81.3% | $86,983-68.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 22.19% | 28.10%-5.9pp | 102.85%-80.7pp | 25.83%-3.6pp |
| Employer contribution / active EE | $4,795 | $3,224+48.7% | $4,425+8.4% | $2,584+85.5% |
| Participant deferral / active EE | $1,844 | $6,322-70.8% | $7,759-76.2% | $4,194-56.0% |
| Admin fee / account holder | $1,268 | $7,838-83.8% | $13,620-90.7% | $7,856-83.9% |