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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 | $34,508 | $65,364-47.2% | $92,909-62.9% | $72,975-52.7% |
| Participation rate | 98.4% | 68.3%+30.1pp | 76.0%+22.4pp | 69.5%+28.9pp |
| Annual return | 24.08% | 42.11%-18.0pp | 109.44%-85.4pp | 81.01%-56.9pp |
| Employer contribution / active EE | $12,917 | $2,594+397.9% | $3,653+253.6% | $2,440+429.4% |
| Participant deferral / active EE | $857 | $3,128-72.6% | $4,238-79.8% | $3,608-76.2% |
| Admin fee / account holder | $975 | $4,251-77.1% | $5,795-83.2% | $5,124-81.0% |