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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 | $80,469 | $131,835-39.0% | $108,582-25.9% | $273,972-70.6% |
| Participation rate | 91.7% | 83.5%+8.2pp | 79.6%+12.1pp | 83.0%+8.7pp |
| Annual return | 8.46% | -91.57%+100.0pp | -51.70%+60.2pp | 41.46%-33.0pp |
| Employer contribution / active EE | $8,294 | $4,913+68.8% | $3,758+120.7% | $4,869+70.4% |
| Participant deferral / active EE | $827 | $5,127-83.9% | $4,311-80.8% | $5,287-84.4% |
| Admin fee / account holder | $1,843 | $10,253-82.0% | $7,645-75.9% | $10,133-81.8% |