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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 | $150,415 | $161,352-6.8% | $134,172+12.1% | $137,256+9.6% |
| Participation rate | 77.8% | 78.3%-0.5pp | 72.5%+5.3pp | 80.0%-2.2pp |
| Annual return | 17.77% | 28.72%-10.9pp | 25.30%-7.5pp | 220.34%-202.6pp |
| Employer contribution / active EE | $2,576 | $4,099-37.2% | $3,420-24.7% | $4,156-38.0% |
| Participant deferral / active EE | $472 | $5,552-91.5% | $4,690-89.9% | $6,407-92.6% |
| Admin fee / account holder | $3,404 | $15,028-77.3% | $12,016-71.7% | $12,270-72.3% |