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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 | $82,177 | $97,648-15.8% | $121,663-32.5% | $87,485-6.1% |
| Participation rate | 71.1% | 70.5%+0.6pp | 74.5%-3.4pp | 68.9%+2.2pp |
| Annual return | 12.11% | 18.03%-5.9pp | 147.54%-135.4pp | 26.06%-13.9pp |
| Employer contribution / active EE | $3,182 | $2,300+38.3% | $3,020+5.4% | $2,596+22.6% |
| Participant deferral / active EE | $1,559 | $3,923-60.3% | $4,887-68.1% | $4,274-63.5% |
| Admin fee / account holder | $3,345 | $11,100-69.9% | $14,289-76.6% | $7,775-57.0% |