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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 | $40,739 | $73,787-44.8% | $98,716-58.7% | $82,448-50.6% |
| Participation rate | 90.8% | 61.4%+29.4pp | 69.3%+21.5pp | 68.1%+22.7pp |
| Annual return | 15.19% | 18.57%-3.4pp | 31.81%-16.6pp | 41.64%-26.4pp |
| Employer contribution / active EE | $769 | $1,511-49.1% | $2,279-66.2% | $2,551-69.8% |
| Participant deferral / active EE | $867 | $3,081-71.9% | $4,048-78.6% | $4,139-79.1% |
| Admin fee / account holder | $2,394 | $6,500-63.2% | $8,703-72.5% | $7,234-66.9% |