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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 | $32,062 | $115,903-72.3% | $100,528-68.1% | $158,966-79.8% |
| Participation rate | 80.0% | 81.6%-1.6pp | 79.4%+0.6pp | 82.0%-2.0pp |
| Annual return | 15.75% | 34.80%-19.1pp | 30.90%-15.1pp | 302.95%-287.2pp |
| Employer contribution / active EE | $979 | $4,105-76.2% | $3,419-71.4% | $4,762-79.4% |
| Participant deferral / active EE | $1,892 | $6,677-71.7% | $6,271-69.8% | $5,983-68.4% |
| Admin fee / account holder | $1,158 | $11,000-89.5% | $8,084-85.7% | $11,250-89.7% |