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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 | $53,977 | $94,436-42.8% | $115,599-53.3% | $82,637-34.7% |
| Participation rate | 95.3% | 70.4%+24.9pp | 74.3%+21.1pp | 68.1%+27.3pp |
| Annual return | 12.62% | 18.37%-5.7pp | 111.10%-98.5pp | 53.51%-40.9pp |
| Employer contribution / active EE | $2,027 | $2,324-12.8% | $2,955-31.4% | $2,552-20.6% |
| Participant deferral / active EE | $1,660 | $3,955-58.0% | $4,889-66.0% | $4,126-59.8% |
| Admin fee / account holder | $3,909 | $10,328-62.1% | $12,841-69.6% | $7,339-46.7% |