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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 | $100,194-46.5% | $122,979-56.4% | $86,983-38.4% |
| Participation rate | 98.0% | 73.0%+25.0pp | 77.2%+20.8pp | 69.5%+28.5pp |
| Annual return | 12.94% | 16.47%-3.5pp | 20.12%-7.2pp | 25.83%-12.9pp |
| Employer contribution / active EE | $3,200 | $2,326+37.6% | $3,062+4.5% | $2,584+23.8% |
| Participant deferral / active EE | $1,567 | $4,133-62.1% | $5,003-68.7% | $4,194-62.6% |
| Admin fee / account holder | $8,983 | $10,148-11.5% | $12,864-30.2% | $7,856+14.3% |