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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 | $52,019 | $114,013-54.4% | $103,693-49.8% | $155,188-66.5% |
| Participation rate | 87.5% | 75.2%+12.3pp | 72.6%+14.9pp | 80.8%+6.7pp |
| Annual return | 10.84% | 49.31%-38.5pp | 47.61%-36.8pp | 148.84%-138.0pp |
| Employer contribution / active EE | $2,222 | $3,131-29.0% | $2,920-23.9% | $4,248-47.7% |
| Participant deferral / active EE | $943 | $4,970-81.0% | $4,579-79.4% | $6,531-85.6% |
| Admin fee / account holder | $481 | $8,407-94.3% | $7,858-93.9% | $14,480-96.7% |