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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 | $43,763 | $100,194-56.3% | $122,979-64.4% | $86,983-49.7% |
| Participation rate | 87.1% | 73.0%+14.1pp | 77.2%+9.9pp | 69.5%+17.6pp |
| Annual return | 12.48% | 16.47%-4.0pp | 20.12%-7.6pp | 25.83%-13.3pp |
| Employer contribution / active EE | $3,614 | $2,326+55.4% | $3,062+18.0% | $2,584+39.8% |
| Participant deferral / active EE | $1,795 | $4,133-56.6% | $5,003-64.1% | $4,194-57.2% |
| Admin fee / account holder | $2,941 | $10,148-71.0% | $12,864-77.1% | $7,856-62.6% |