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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 | $101,311 | $81,504+24.3% | $102,437-1.1% | $80,959+25.1% |
| Participation rate | 91.9% | 66.9%+25.0pp | 74.5%+17.4pp | 67.7%+24.2pp |
| Annual return | 13.23% | 25.60%-12.4pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $22,340 | $3,104+619.8% | $3,871+477.2% | $2,757+710.3% |
| Participant deferral / active EE | $1,457 | $3,871-62.4% | $5,060-71.2% | $4,300-66.1% |
| Admin fee / account holder | $10,391 | $6,719+54.6% | $8,388+23.9% | $6,925+50.0% |