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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 | $35,114 | $65,367-46.3% | $92,915-62.2% | $72,976-51.9% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 16.42% | 42.11%-25.7pp | 109.45%-93.0pp | 81.02%-64.6pp |
| Employer contribution / active EE | $3,436 | $2,594+32.5% | $3,653-5.9% | $2,440+40.8% |
| Participant deferral / active EE | $838 | $3,128-73.2% | $4,238-80.2% | $3,608-76.8% |
| Admin fee / account holder | $2,309 | $4,251-45.7% | $5,796-60.2% | $5,124-54.9% |