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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 | $39,573 | $181,896-78.2% | $156,551-74.7% | $273,972-85.6% |
| Participation rate | 77.8% | 88.4%-10.6pp | 84.0%-6.2pp | 83.0%-5.2pp |
| Annual return | 6.18% | 30.74%-24.6pp | 32.23%-26.0pp | 41.46%-35.3pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $196 | $5,550-96.5% | $4,871-96.0% | $5,287-96.3% |
| Admin fee / account holder | $612 | $15,560-96.1% | $13,028-95.3% | $10,133-94.0% |