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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 | $48,012 | $199,109-75.9% | $173,730-72.4% | $154,746-69.0% |
| Participation rate | 92.3% | 82.8%+9.5pp | 79.6%+12.7pp | 80.7%+11.6pp |
| Annual return | 14.83% | 20.02%-5.2pp | 19.96%-5.1pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,380 | $5,311-55.2% | $4,577-48.0% | $4,379-45.7% |
| Participant deferral / active EE | $1,216 | $7,113-82.9% | $6,326-80.8% | $6,730-81.9% |
| Admin fee / account holder | $960 | $20,916-95.4% | $17,523-94.5% | $14,365-93.3% |