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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 | $22,102 | $147,556-85.0% | $129,031-82.9% | $198,609-88.9% |
| Participation rate | 80.0% | 77.2%+2.8pp | 73.4%+6.6pp | 82.4%-2.4pp |
| Annual return | 9.00% | 37.41%-28.4pp | 34.67%-25.7pp | 202.70%-193.7pp |
| Employer contribution / active EE | $1,378 | $3,645-62.2% | $3,226-57.3% | $5,055-72.7% |
| Participant deferral / active EE | $1,237 | $5,760-78.5% | $5,217-76.3% | $6,977-82.3% |
| Admin fee / account holder | $1,285 | $15,467-91.7% | $13,208-90.3% | $19,030-93.2% |