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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 | $49,222 | $58,493-15.9% | $84,023-41.4% | $72,976-32.6% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.0%+31.0pp | 69.5%+30.5pp |
| Annual return | 18.04% | 28.93%-10.9pp | 71.32%-53.3pp | 81.02%-63.0pp |
| Employer contribution / active EE | $1,379 | $1,163+18.6% | $1,984-30.5% | $2,440-43.5% |
| Participant deferral / active EE | $424 | $2,394-82.3% | $3,239-86.9% | $3,608-88.3% |
| Admin fee / account holder | $528 | $4,569-88.5% | $6,102-91.4% | $5,124-89.7% |