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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 | $25,891 | $99,032-73.9% | $80,022-67.6% | $135,380-80.9% |
| Participation rate | 91.7% | 78.4%+13.3pp | 75.8%+15.8pp | 82.6%+9.0pp |
| Annual return | 1.89% | 15.39%-13.5pp | 11.22%-9.3pp | 519.81%-517.9pp |
| Employer contribution / active EE | $4,589 | $3,043+50.8% | $2,468+85.9% | $4,779-4.0% |
| Participant deferral / active EE | $791 | $4,282-81.5% | $3,686-78.5% | $5,609-85.9% |
| Admin fee / account holder | $512 | $10,436-95.1% | $6,521-92.2% | $10,828-95.3% |