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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 | $186,990 | $136,307+37.2% | $106,619+75.4% | $273,972-31.7% |
| Participation rate | 94.1% | 84.8%+9.3pp | 78.0%+16.1pp | 83.0%+11.1pp |
| Annual return | 7.42% | 11.05%-3.6pp | 9.42%-2.0pp | 41.46%-34.0pp |
| Employer contribution / active EE | $8,227 | $5,190+58.5% | $3,947+108.5% | $4,869+69.0% |
| Participant deferral / active EE | $776 | $4,969-84.4% | $3,930-80.2% | $5,287-85.3% |
| Admin fee / account holder | $937 | $8,625-89.1% | $6,418-85.4% | $10,133-90.8% |