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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 | $39,937 | $56,894-29.8% | $84,753-52.9% | $62,881-36.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 17.40% | 6.30%+11.1pp | 22.78%-5.4pp | 20.14%-2.7pp |
| Employer contribution / active EE | $7,722 | $2,400+221.8% | $3,574+116.0% | $2,281+238.6% |
| Participant deferral / active EE | $0 | $2,709-100.0% | $3,712-100.0% | $3,203-100.0% |
| Admin fee / account holder | $3,323 | $3,581-7.2% | $5,333-37.7% | $4,296-22.7% |