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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 | $89,446 | $126,661-29.4% | $113,397-21.1% | $138,895-35.6% |
| Participation rate | 90.5% | 79.4%+11.0pp | 76.5%+14.0pp | 79.9%+10.6pp |
| Annual return | 12.16% | 25.05%-12.9pp | 23.20%-11.0pp | 145.39%-133.2pp |
| Employer contribution / active EE | $5,595 | $3,456+61.9% | $2,977+87.9% | $4,194+33.4% |
| Participant deferral / active EE | $1,767 | $5,693-69.0% | $5,076-65.2% | $6,396-72.4% |
| Admin fee / account holder | $6,250 | $14,549-57.0% | $11,957-47.7% | $12,562-50.3% |