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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 | $74,535-45.3% | $100,712-59.5% | $82,637-50.7% |
| Participation rate | 90.8% | 61.2%+29.6pp | 69.3%+21.5pp | 68.1%+22.7pp |
| Annual return | 15.19% | 18.92%-3.7pp | 33.27%-18.1pp | 53.51%-38.3pp |
| Employer contribution / active EE | $769 | $1,503-48.8% | $2,313-66.7% | $2,552-69.9% |
| Participant deferral / active EE | $867 | $3,074-71.8% | $4,085-78.8% | $4,126-79.0% |
| Admin fee / account holder | $2,394 | $6,576-63.6% | $9,256-74.1% | $7,339-67.4% |