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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 | $89,398 | $56,894+57.1% | $84,753+5.5% | $62,881+42.2% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 11.19% | 6.30%+4.9pp | 22.78%-11.6pp | 20.14%-9.0pp |
| Employer contribution / active EE | $791 | $2,400-67.1% | $3,574-77.9% | $2,281-65.3% |
| Participant deferral / active EE | $791 | $2,709-70.8% | $3,712-78.7% | $3,203-75.3% |
| Admin fee / account holder | $2,284 | $3,581-36.2% | $5,333-57.2% | $4,296-46.8% |