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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 | $138,312-48.7% | $122,979-42.3% | $155,188-54.3% |
| Participation rate | 87.5% | 80.2%+7.3pp | 77.2%+10.3pp | 80.8%+6.7pp |
| Annual return | 10.43% | 22.06%-11.6pp | 20.12%-9.7pp | 148.84%-138.4pp |
| Employer contribution / active EE | $0 | $3,530-100.0% | $3,062-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $910 | $5,592-83.7% | $5,003-81.8% | $6,531-86.1% |
| Admin fee / account holder | $1,020 | $15,089-93.2% | $12,864-92.1% | $14,480-93.0% |