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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 | $20,721 | $78,690-73.7% | $161,489-87.2% | $87,485-76.3% |
| Participation rate | 88.9% | 67.5%+21.4pp | 78.7%+10.2pp | 68.9%+20.0pp |
| Annual return | 16.13% | 32.74%-16.6pp | 89.72%-73.6pp | 26.06%-9.9pp |
| Employer contribution / active EE | $516 | $2,588-80.1% | $4,268-87.9% | $2,596-80.1% |
| Participant deferral / active EE | $659 | $3,311-80.1% | $5,630-88.3% | $4,274-84.6% |
| Admin fee / account holder | $1,102 | $6,724-83.6% | $16,006-93.1% | $7,775-85.8% |