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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 | $212,777-29.3% | $173,703-13.4% | $198,609-24.3% |
| Participation rate | 77.8% | 81.1%-3.3pp | 75.9%+1.9pp | 82.4%-4.6pp |
| Annual return | 17.77% | 18.82%-1.0pp | 17.46%+0.3pp | 202.70%-184.9pp |
| Employer contribution / active EE | $2,576 | $5,214-50.6% | $4,288-39.9% | $5,055-49.0% |
| Participant deferral / active EE | $472 | $5,697-91.7% | $4,854-90.3% | $6,977-93.2% |
| Admin fee / account holder | $3,404 | $19,536-82.6% | $15,562-78.1% | $19,030-82.1% |