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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 | $22,841 | $118,488-80.7% | $98,462-76.8% | $139,487-83.6% |
| Participation rate | 94.4% | 77.5%+17.0pp | 75.2%+19.3pp | 80.3%+14.1pp |
| Annual return | 16.75% | 18.96%-2.2pp | 21.17%-4.4pp | 373.84%-357.1pp |
| Employer contribution / active EE | $1,126 | $3,611-68.8% | $3,049-63.1% | $4,755-76.3% |
| Participant deferral / active EE | $1,181 | $5,393-78.1% | $4,738-75.1% | $6,713-82.4% |
| Admin fee / account holder | $884 | $13,868-93.6% | $8,875-90.0% | $11,407-92.2% |