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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 | $70,945 | $136,860-48.2% | $120,344-41.0% | $154,746-54.2% |
| Participation rate | 87.5% | 79.9%+7.6pp | 76.7%+10.8pp | 80.7%+6.8pp |
| Annual return | 10.43% | 21.38%-10.9pp | 20.30%-9.9pp | 172.34%-161.9pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $910 | $5,793-84.3% | $5,135-82.3% | $6,730-86.5% |
| Admin fee / account holder | $1,020 | $15,393-93.4% | $12,742-92.0% | $14,365-92.9% |