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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 | $52,426 | $72,269-27.5% | $101,271-48.2% | $79,852-34.3% |
| Participation rate | 80.5% | 68.5%+12.0pp | 75.8%+4.7pp | 69.6%+10.8pp |
| Annual return | 20.82% | 22.29%-1.5pp | 46.48%-25.7pp | 31.72%-10.9pp |
| Employer contribution / active EE | $11,277 | $2,692+318.9% | $3,660+208.1% | $2,471+356.4% |
| Participant deferral / active EE | $861 | $3,282-73.8% | $4,371-80.3% | $3,740-77.0% |
| Admin fee / account holder | $2,890 | $4,401-34.3% | $5,948-51.4% | $5,306-45.5% |