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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 | $50,441 | $78,690-35.9% | $161,489-68.8% | $87,485-42.3% |
| Participation rate | 84.0% | 67.5%+16.5pp | 78.7%+5.3pp | 68.9%+15.1pp |
| Annual return | 15.54% | 32.74%-17.2pp | 89.72%-74.2pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,475 | $2,588-43.0% | $4,268-65.4% | $2,596-43.2% |
| Participant deferral / active EE | $906 | $3,311-72.6% | $5,630-83.9% | $4,274-78.8% |
| Admin fee / account holder | $1,535 | $6,724-77.2% | $16,006-90.4% | $7,775-80.3% |