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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 | $28,838 | $61,660-53.2% | $80,022-64.0% | $64,173-55.1% |
| Participation rate | 98.4% | 71.7%+26.7pp | 75.8%+22.6pp | 69.6%+28.9pp |
| Annual return | 9.21% | -0.33%+9.5pp | 11.22%-2.0pp | 7.63%+1.6pp |
| Employer contribution / active EE | $560 | $1,810-69.1% | $2,468-77.3% | $2,381-76.5% |
| Participant deferral / active EE | $1,182 | $2,968-60.2% | $3,686-67.9% | $3,470-65.9% |
| Admin fee / account holder | $639 | $5,417-88.2% | $6,521-90.2% | $4,887-86.9% |