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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 | $14,066 | $87,166-83.9% | $76,735-81.7% | $137,256-89.8% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 15.63% | 26.50%-10.9pp | 29.77%-14.1pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,348 | $2,904-53.6% | $2,454-45.1% | $4,156-67.6% |
| Participant deferral / active EE | $696 | $4,726-85.3% | $4,088-83.0% | $6,407-89.1% |
| Admin fee / account holder | $2,642 | $8,403-68.6% | $7,189-63.3% | $12,270-78.5% |