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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 | $77,798 | $140,592-44.7% | $123,106-36.8% | $125,393-38.0% |
| Participation rate | 85.7% | 88.2%-2.5pp | 86.8%-1.1pp | 83.2%+2.5pp |
| Annual return | 0.75% | 16.80%-16.0pp | 13.22%-12.5pp | 282.23%-281.5pp |
| Employer contribution / active EE | $1,354 | $6,041-77.6% | $5,151-73.7% | $4,866-72.2% |
| Participant deferral / active EE | $1,572 | $6,980-77.5% | $6,229-74.8% | $5,351-70.6% |
| Admin fee / account holder | $40,847 | $11,198+264.8% | $9,015+353.1% | $9,541+328.1% |