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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 | $50,935 | $56,894-10.5% | $84,753-39.9% | $62,881-19.0% |
| Participation rate | 88.9% | 68.5%+20.4pp | 76.6%+12.3pp | 69.3%+19.6pp |
| Annual return | 6.77% | 6.30%+0.5pp | 22.78%-16.0pp | 20.14%-13.4pp |
| Employer contribution / active EE | $10,957 | $2,400+356.6% | $3,574+206.5% | $2,281+380.4% |
| Participant deferral / active EE | $603 | $2,709-77.7% | $3,712-83.8% | $3,203-81.2% |
| Admin fee / account holder | $1,224 | $3,581-65.8% | $5,333-77.0% | $4,296-71.5% |