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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 | $34,641 | $60,349-42.6% | $74,184-53.3% | $62,881-44.9% |
| Participation rate | 73.2% | 72.7%+0.4pp | 76.6%-3.4pp | 69.3%+3.9pp |
| Annual return | 6.15% | 21.38%-15.2pp | 17.74%-11.6pp | 20.14%-14.0pp |
| Employer contribution / active EE | $592 | $1,680-64.7% | $2,370-75.0% | $2,281-74.0% |
| Participant deferral / active EE | $655 | $2,856-77.1% | $3,550-81.5% | $3,203-79.5% |
| Admin fee / account holder | $648 | $4,261-84.8% | $5,586-88.4% | $4,296-84.9% |