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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 | $37,008 | $161,352-77.1% | $134,172-72.4% | $137,256-73.0% |
| Participation rate | 84.6% | 78.3%+6.3pp | 72.5%+12.1pp | 80.0%+4.7pp |
| Annual return | 21.47% | 28.72%-7.2pp | 25.30%-3.8pp | 220.34%-198.9pp |
| Employer contribution / active EE | $1,027 | $4,099-74.9% | $3,420-70.0% | $4,156-75.3% |
| Participant deferral / active EE | $1,140 | $5,552-79.5% | $4,690-75.7% | $6,407-82.2% |
| Admin fee / account holder | $490 | $15,028-96.7% | $12,016-95.9% | $12,270-96.0% |