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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 | $41,661 | $72,273-42.4% | $101,275-58.9% | $79,856-47.8% |
| Participation rate | 83.3% | 68.5%+14.9pp | 75.8%+7.5pp | 69.6%+13.7pp |
| Annual return | 15.63% | 22.30%-6.7pp | 46.48%-30.8pp | 31.71%-16.1pp |
| Employer contribution / active EE | $3,062 | $2,691+13.8% | $3,660-16.3% | $2,471+23.9% |
| Participant deferral / active EE | $1,281 | $3,282-61.0% | $4,371-70.7% | $3,741-65.7% |
| Admin fee / account holder | $2,208 | $4,401-49.8% | $5,948-62.9% | $5,306-58.4% |