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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 | $95,780 | $69,444+37.9% | $92,985+3.0% | $87,485+9.5% |
| Participation rate | 81.3% | 63.3%+18.0pp | 69.5%+11.8pp | 68.9%+12.3pp |
| Annual return | 15.32% | 23.85%-8.5pp | 27.99%-12.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $3,125 | $1,917+63.0% | $2,662+17.4% | $2,596+20.4% |
| Participant deferral / active EE | $0 | $3,364-100.0% | $4,377-100.0% | $4,274-100.0% |
| Admin fee / account holder | $1,261 | $6,137-79.5% | $9,463-86.7% | $7,775-83.8% |