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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 | $27,995 | $72,273-61.3% | $101,275-72.4% | $79,856-64.9% |
| Participation rate | 96.2% | 68.5%+27.7pp | 75.8%+20.3pp | 69.6%+26.5pp |
| Annual return | 11.76% | 22.30%-10.5pp | 46.48%-34.7pp | 31.71%-20.0pp |
| Employer contribution / active EE | $3,042 | $2,691+13.0% | $3,660-16.9% | $2,471+23.1% |
| Participant deferral / active EE | $595 | $3,282-81.9% | $4,371-86.4% | $3,741-84.1% |
| Admin fee / account holder | $1,247 | $4,401-71.7% | $5,948-79.0% | $5,306-76.5% |