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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 | $111,207 | $124,980-11.0% | $108,359+2.6% | $154,746-28.1% |
| Participation rate | 86.4% | 75.2%+11.2pp | 70.1%+16.2pp | 80.7%+5.7pp |
| Annual return | 14.68% | 45.00%-30.3pp | 36.89%-22.2pp | 172.34%-157.7pp |
| Employer contribution / active EE | $765 | $2,851-73.2% | $2,399-68.1% | $4,379-82.5% |
| Participant deferral / active EE | $1,186 | $4,743-75.0% | $4,137-71.3% | $6,730-82.4% |
| Admin fee / account holder | $13,014 | $11,502+13.2% | $9,741+33.6% | $14,365-9.4% |