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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 | $37,080 | $65,361-43.3% | $92,903-60.1% | $72,983-49.2% |
| Participation rate | 72.2% | 68.3%+3.9pp | 76.0%-3.8pp | 69.5%+2.7pp |
| Annual return | 17.93% | 42.11%-24.2pp | 109.43%-91.5pp | 81.01%-63.1pp |
| Employer contribution / active EE | $1,041 | $2,594-59.9% | $3,653-71.5% | $2,440-57.3% |
| Participant deferral / active EE | $1,089 | $3,128-65.2% | $4,238-74.3% | $3,608-69.8% |
| Admin fee / account holder | $2,086 | $4,251-50.9% | $5,795-64.0% | $5,124-59.3% |