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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 | $167,415-57.6% | $140,514-49.5% | $198,609-64.3% |
| Participation rate | 87.5% | 80.9%+6.6pp | 77.8%+9.7pp | 82.4%+5.1pp |
| Annual return | 10.43% | 13.85%-3.4pp | 14.36%-3.9pp | 202.70%-192.3pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $910 | $5,579-83.7% | $4,919-81.5% | $6,977-87.0% |
| Admin fee / account holder | $1,020 | $16,730-93.9% | $13,697-92.6% | $19,030-94.6% |