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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 | $25,799 | $91,198-71.7% | $178,503-85.5% | $79,856-67.7% |
| Participation rate | 81.4% | 69.2%+12.2pp | 81.9%-0.5pp | 69.6%+11.8pp |
| Annual return | 12.43% | 24.20%-11.8pp | 151.12%-138.7pp | 31.71%-19.3pp |
| Employer contribution / active EE | $1,211 | $3,257-62.8% | $5,011-75.8% | $2,471-51.0% |
| Participant deferral / active EE | $408 | $3,237-87.4% | $5,202-92.2% | $3,741-89.1% |
| Admin fee / account holder | $1,547 | $6,748-77.1% | $13,987-88.9% | $5,306-70.9% |