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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 | $109,620-25.0% | $148,496-44.7% | $94,015-12.6% |
| Participation rate | 71.1% | 71.3%-0.1pp | 76.0%-4.9pp | 70.8%+0.3pp |
| Annual return | 12.11% | 17.54%-5.4pp | 12.33%-0.2pp | 17.84%-5.7pp |
| Employer contribution / active EE | $3,182 | $2,618+21.5% | $3,497-9.0% | $2,790+14.0% |
| Participant deferral / active EE | $1,559 | $3,831-59.3% | $4,808-67.6% | $4,249-63.3% |
| Admin fee / account holder | $3,345 | $10,050-66.7% | $19,547-82.9% | $8,951-62.6% |