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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 | $127,242 | $118,488+7.4% | $98,462+29.2% | $139,487-8.8% |
| Participation rate | 83.3% | 77.5%+5.9pp | 75.2%+8.2pp | 80.3%+3.0pp |
| Annual return | 17.34% | 18.96%-1.6pp | 21.17%-3.8pp | 373.84%-356.5pp |
| Employer contribution / active EE | $1,001 | $3,611-72.3% | $3,049-67.2% | $4,755-78.9% |
| Participant deferral / active EE | $1,110 | $5,393-79.4% | $4,738-76.6% | $6,713-83.5% |
| Admin fee / account holder | $633 | $13,868-95.4% | $8,875-92.9% | $11,407-94.5% |