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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 | $58,627+63.4% | $76,735+24.8% | $82,448+16.2% |
| Participation rate | 81.3% | 63.2%+18.0pp | 69.5%+11.8pp | 68.1%+13.2pp |
| Annual return | 15.32% | 39.10%-23.8pp | 29.77%-14.5pp | 41.64%-26.3pp |
| Employer contribution / active EE | $3,125 | $1,729+80.7% | $2,454+27.3% | $2,551+22.5% |
| Participant deferral / active EE | $0 | $3,134-100.0% | $4,088-100.0% | $4,139-100.0% |
| Admin fee / account holder | $1,261 | $5,323-76.3% | $7,189-82.5% | $7,234-82.6% |