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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 | $99,659 | $83,485+19.4% | $125,195-20.4% | $72,976+36.6% |
| Participation rate | 97.4% | 73.3%+24.1pp | 79.8%+17.6pp | 69.5%+27.9pp |
| Annual return | 24.46% | 25.77%-1.3pp | 43.79%-19.3pp | 81.02%-56.6pp |
| Employer contribution / active EE | $1,626 | $2,346-30.7% | $3,866-57.9% | $2,440-33.4% |
| Participant deferral / active EE | $1,609 | $3,586-55.1% | $4,937-67.4% | $3,608-55.4% |
| Admin fee / account holder | $9,245 | $5,518+67.5% | $9,704-4.7% | $5,124+80.4% |