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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 | $44,600 | $81,504-45.3% | $102,437-56.5% | $80,959-44.9% |
| Participation rate | 97.7% | 66.9%+30.8pp | 74.5%+23.2pp | 67.7%+30.0pp |
| Annual return | 11.78% | 25.60%-13.8pp | 24.95%-13.2pp | 35.67%-23.9pp |
| Employer contribution / active EE | $19,818 | $3,104+538.6% | $3,871+412.0% | $2,757+618.8% |
| Participant deferral / active EE | $253 | $3,871-93.5% | $5,060-95.0% | $4,300-94.1% |
| Admin fee / account holder | $10,423 | $6,719+55.1% | $8,388+24.3% | $6,925+50.5% |