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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 | $73,742 | $282,059-73.9% | $213,469-65.5% | $154,746-52.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 15.01% | 20.90%-5.9pp | 20.58%-5.6pp | 172.34%-157.3pp |
| Employer contribution / active EE | $6,157 | $6,189-0.5% | $4,994+23.3% | $4,379+40.6% |
| Participant deferral / active EE | $2,100 | $8,186-74.3% | $6,841-69.3% | $6,730-68.8% |
| Admin fee / account holder | $1,850 | $37,435-95.1% | $27,141-93.2% | $14,365-87.1% |