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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 | $52,979 | $65,034-18.5% | $90,970-41.8% | $79,856-33.7% |
| Participation rate | 96.6% | 61.6%+34.9pp | 69.0%+27.5pp | 69.6%+26.9pp |
| Annual return | 12.56% | 30.45%-17.9pp | 134.60%-122.0pp | 31.71%-19.2pp |
| Employer contribution / active EE | $690 | $1,247-44.7% | $2,122-67.5% | $2,471-72.1% |
| Participant deferral / active EE | $434 | $2,512-82.7% | $3,373-87.1% | $3,741-88.4% |
| Admin fee / account holder | $3,920 | $4,536-13.6% | $5,961-34.2% | $5,306-26.1% |