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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 | $42,442 | $65,027-34.7% | $90,970-53.3% | $79,852-46.8% |
| Participation rate | 91.6% | 61.6%+30.0pp | 69.0%+22.6pp | 69.6%+21.9pp |
| Annual return | 13.87% | 30.45%-16.6pp | 134.58%-120.7pp | 31.72%-17.8pp |
| Employer contribution / active EE | $912 | $1,247-26.9% | $2,122-57.0% | $2,471-63.1% |
| Participant deferral / active EE | $696 | $2,512-72.3% | $3,373-79.4% | $3,740-81.4% |
| Admin fee / account holder | $5,331 | $4,535+17.6% | $5,960-10.6% | $5,306+0.5% |