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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 | $65,002 | $61,390+5.9% | $112,228-42.1% | $75,177-13.5% |
| Participation rate | 98.0% | 61.6%+36.3pp | 72.4%+25.5pp | 67.2%+30.8pp |
| Annual return | 17.76% | 28.47%-10.7pp | 30.23%-12.5pp | 160.75%-143.0pp |
| Employer contribution / active EE | $9,582 | $2,015+375.6% | $3,432+179.2% | $2,671+258.7% |
| Participant deferral / active EE | $1,025 | $3,108-67.0% | $4,800-78.6% | $4,126-75.2% |
| Admin fee / account holder | $1,474 | $4,862-69.7% | $7,752-81.0% | $5,651-73.9% |