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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 | $41,244 | $124,980-67.0% | $108,359-61.9% | $154,746-73.3% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 17.97% | 45.00%-27.0pp | 36.89%-18.9pp | 172.34%-154.4pp |
| Employer contribution / active EE | $1,820 | $2,851-36.1% | $2,399-24.1% | $4,379-58.4% |
| Participant deferral / active EE | $633 | $4,743-86.6% | $4,137-84.7% | $6,730-90.6% |
| Admin fee / account holder | $568 | $11,502-95.1% | $9,741-94.2% | $14,365-96.0% |