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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 | $78,056 | $124,330-37.2% | $109,173-28.5% | $167,536-53.4% |
| Participation rate | 77.8% | 79.5%-1.7pp | 75.9%+1.9pp | 82.1%-4.3pp |
| Annual return | 13.66% | 26.04%-12.4pp | 25.75%-12.1pp | 478.82%-465.2pp |
| Employer contribution / active EE | $4,474 | $4,209+6.3% | $3,723+20.2% | $4,839-7.5% |
| Participant deferral / active EE | $1,298 | $5,256-75.3% | $4,654-72.1% | $6,342-79.5% |
| Admin fee / account holder | $472 | $7,974-94.1% | $6,755-93.0% | $12,315-96.2% |