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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 | $86,959 | $101,778-14.6% | $164,975-47.3% | $80,925+7.5% |
| Participation rate | 88.2% | 71.8%+16.4pp | 78.6%+9.6pp | 67.7%+20.6pp |
| Annual return | 19.74% | 16.73%+3.0pp | 70.12%-50.4pp | 35.65%-15.9pp |
| Employer contribution / active EE | $1,176 | $2,954-60.2% | $4,343-72.9% | $2,756-57.3% |
| Participant deferral / active EE | $744 | $4,477-83.4% | $6,033-87.7% | $4,299-82.7% |
| Admin fee / account holder | $2,931 | $8,221-64.4% | $12,688-76.9% | $6,940-57.8% |