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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 | $53,606 | $97,550-45.0% | $120,344-55.5% | $87,485-38.7% |
| Participation rate | 98.0% | 72.8%+25.2pp | 76.7%+21.3pp | 68.9%+29.1pp |
| Annual return | 12.94% | 18.41%-5.5pp | 20.30%-7.4pp | 26.06%-13.1pp |
| Employer contribution / active EE | $3,200 | $2,291+39.7% | $3,020+5.9% | $2,596+23.2% |
| Participant deferral / active EE | $1,567 | $4,230-63.0% | $5,135-69.5% | $4,274-63.3% |
| Admin fee / account holder | $8,983 | $9,543-5.9% | $12,742-29.5% | $7,775+15.5% |