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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 | $29,020 | $155,555-81.3% | $146,866-80.2% | $155,188-81.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 18.40% | 115.41%-97.0pp | 102.85%-84.5pp | 148.84%-130.4pp |
| Employer contribution / active EE | $1,473 | $4,647-68.3% | $4,425-66.7% | $4,248-65.3% |
| Participant deferral / active EE | $2,430 | $8,044-69.8% | $7,759-68.7% | $6,531-62.8% |
| Admin fee / account holder | $3,911 | $14,755-73.5% | $13,620-71.3% | $14,480-73.0% |