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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 | $47,772 | $67,602-29.3% | $82,312-42.0% | $70,126-31.9% |
| Participation rate | 73.1% | 72.8%+0.3pp | 76.9%-3.8pp | 69.5%+3.5pp |
| Annual return | 14.47% | 21.57%-7.1pp | 25.88%-11.4pp | 73.15%-58.7pp |
| Employer contribution / active EE | $5,769 | $1,755+228.7% | $2,428+137.6% | $2,343+146.3% |
| Participant deferral / active EE | $876 | $2,987-70.7% | $3,706-76.4% | $3,332-73.7% |
| Admin fee / account holder | $1,574 | $4,512-65.1% | $5,608-71.9% | $4,645-66.1% |