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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 | $26,856 | $76,696-65.0% | $96,515-72.2% | $71,511-62.4% |
| Participation rate | 78.4% | 66.6%+11.9pp | 74.3%+4.1pp | 67.9%+10.5pp |
| Annual return | 24.15% | 48.32%-24.2pp | 35.73%-11.6pp | 28.86%-4.7pp |
| Employer contribution / active EE | $3,855 | $3,032+27.1% | $3,740+3.1% | $2,589+48.9% |
| Participant deferral / active EE | $1,554 | $3,770-58.8% | $4,880-68.1% | $4,291-63.8% |
| Admin fee / account holder | $2,028 | $2,030-0.1% | $6,735-69.9% | $1,588+27.7% |