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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 | $53,927 | $135,905-60.3% | $126,068-57.2% | $198,609-72.8% |
| Participation rate | 73.9% | 85.6%-11.7pp | 84.7%-10.8pp | 82.4%-8.5pp |
| Annual return | 15.76% | 14.07%+1.7pp | 15.01%+0.7pp | 202.70%-186.9pp |
| Employer contribution / active EE | $4,923 | $4,245+16.0% | $3,968+24.1% | $5,055-2.6% |
| Participant deferral / active EE | $3,551 | $8,523-58.3% | $8,214-56.8% | $6,977-49.1% |
| Admin fee / account holder | $4,274 | $21,036-79.7% | $18,264-76.6% | $19,030-77.5% |