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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 | $32,310 | $56,894-43.2% | $84,753-61.9% | $62,881-48.6% |
| Participation rate | 93.2% | 68.5%+24.6pp | 76.6%+16.6pp | 69.3%+23.9pp |
| Annual return | 4.41% | 6.30%-1.9pp | 22.78%-18.4pp | 20.14%-15.7pp |
| Employer contribution / active EE | $11,478 | $2,400+378.3% | $3,574+221.1% | $2,281+403.2% |
| Participant deferral / active EE | $569 | $2,709-79.0% | $3,712-84.7% | $3,203-82.2% |
| Admin fee / account holder | $3,296 | $3,581-8.0% | $5,333-38.2% | $4,296-23.3% |