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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 | $112,584 | $72,269+55.8% | $101,271+11.2% | $79,852+41.0% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 17.46% | 22.29%-4.8pp | 46.48%-29.0pp | 31.72%-14.3pp |
| Employer contribution / active EE | $2,526 | $2,692-6.2% | $3,660-31.0% | $2,471+2.2% |
| Participant deferral / active EE | $109 | $3,282-96.7% | $4,371-97.5% | $3,740-97.1% |
| Admin fee / account holder | $5,209 | $4,401+18.4% | $5,948-12.4% | $5,306-1.8% |