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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 | $76,834-47.0% | $108,359-62.4% | $87,485-53.4% |
| Participation rate | 90.8% | 61.7%+29.0pp | 70.1%+20.6pp | 68.9%+21.8pp |
| Annual return | 15.19% | 19.09%-3.9pp | 36.89%-21.7pp | 26.06%-10.9pp |
| Employer contribution / active EE | $769 | $1,556-50.6% | $2,399-67.9% | $2,596-70.4% |
| Participant deferral / active EE | $867 | $3,100-72.0% | $4,137-79.0% | $4,274-79.7% |
| Admin fee / account holder | $2,394 | $6,537-63.4% | $9,741-75.4% | $7,775-69.2% |