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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 | $54,990 | $72,272-23.9% | $101,264-45.7% | $79,858-31.1% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 13.61% | 22.30%-8.7pp | 46.48%-32.9pp | 31.72%-18.1pp |
| Employer contribution / active EE | $6,644 | $2,692+146.8% | $3,660+81.5% | $2,471+168.9% |
| Participant deferral / active EE | $1,276 | $3,282-61.1% | $4,370-70.8% | $3,740-65.9% |
| Admin fee / account holder | $3,729 | $4,401-15.3% | $5,947-37.3% | $5,306-29.7% |