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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 | $33,086 | $103,393-68.0% | $87,103-62.0% | $152,909-78.4% |
| Participation rate | 78.9% | 79.4%-0.4pp | 76.9%+2.1pp | 82.5%-3.5pp |
| Annual return | 11.54% | 28.10%-16.6pp | 28.19%-16.7pp | 345.46%-333.9pp |
| Employer contribution / active EE | $4,780 | $3,221+48.4% | $2,521+89.6% | $4,764+0.3% |
| Participant deferral / active EE | $807 | $4,778-83.1% | $4,049-80.1% | $5,851-86.2% |
| Admin fee / account holder | $6,665 | $12,195-45.3% | $7,491-11.0% | $11,601-42.5% |