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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 | $111,809 | $116,203-3.8% | $93,621+19.4% | $152,897-26.9% |
| Participation rate | 81.8% | 78.1%+3.8pp | 75.8%+6.0pp | 82.5%-0.6pp |
| Annual return | 19.52% | 35.96%-16.4pp | 32.76%-13.2pp | 345.43%-325.9pp |
| Employer contribution / active EE | $971 | $3,219-69.9% | $2,719-64.3% | $4,764-79.6% |
| Participant deferral / active EE | $1,042 | $4,605-77.4% | $4,070-74.4% | $5,851-82.2% |
| Admin fee / account holder | $5,849 | $10,751-45.6% | $7,890-25.9% | $11,599-49.6% |