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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 | $88,913 | $83,485+6.5% | $125,195-29.0% | $72,976+21.8% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 16.38% | 25.77%-9.4pp | 43.79%-27.4pp | 81.02%-64.6pp |
| Employer contribution / active EE | $14,719 | $2,346+527.5% | $3,866+280.7% | $2,440+503.2% |
| Participant deferral / active EE | $1,584 | $3,586-55.8% | $4,937-67.9% | $3,608-56.1% |
| Admin fee / account holder | $3,656 | $5,518-33.7% | $9,704-62.3% | $5,124-28.7% |