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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 | $53,241 | $104,251-48.9% | $91,004-41.5% | $147,586-63.9% |
| Participation rate | 85.7% | 78.2%+7.5pp | 75.6%+10.1pp | 82.8%+2.9pp |
| Annual return | 14.31% | 27.06%-12.8pp | 4.60%+9.7pp | 578.59%-564.3pp |
| Employer contribution / active EE | $5,359 | $3,116+72.0% | $2,456+118.2% | $4,876+9.9% |
| Participant deferral / active EE | $858 | $4,195-79.5% | $3,548-75.8% | $5,439-84.2% |
| Admin fee / account holder | $8,236 | $8,948-8.0% | $5,417+52.0% | $10,886-24.3% |