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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 | $77,814-73.4% | $158,223-86.9% | $86,983-76.2% |
| Participation rate | 88.9% | 68.4%+20.5pp | 79.2%+9.7pp | 69.5%+19.3pp |
| Annual return | 16.13% | 30.54%-14.4pp | 52.09%-36.0pp | 25.83%-9.7pp |
| Employer contribution / active EE | $516 | $2,592-80.1% | $4,109-87.4% | $2,584-80.0% |
| Participant deferral / active EE | $659 | $3,270-79.8% | $5,467-87.9% | $4,194-84.3% |
| Admin fee / account holder | $1,102 | $5,879-81.3% | $16,047-93.1% | $7,856-86.0% |