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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 | $95,453-43.8% | $112,040-52.2% | $82,448-35.0% |
| Participation rate | 98.0% | 72.8%+25.2pp | 76.5%+21.5pp | 68.1%+29.9pp |
| Annual return | 12.94% | 23.92%-11.0pp | 24.52%-11.6pp | 41.64%-28.7pp |
| Employer contribution / active EE | $3,200 | $2,318+38.0% | $2,954+8.3% | $2,551+25.4% |
| Participant deferral / active EE | $1,567 | $4,224-62.9% | $5,098-69.3% | $4,139-62.1% |
| Admin fee / account holder | $8,983 | $9,013-0.3% | $12,098-25.7% | $7,234+24.2% |