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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 | $78,941 | $176,786-55.3% | $146,643-46.2% | $167,536-52.9% |
| Participation rate | 75.0% | 83.6%-8.6pp | 80.1%-5.1pp | 82.1%-7.1pp |
| Annual return | 18.41% | 24.04%-5.6pp | 22.75%-4.3pp | 478.82%-460.4pp |
| Employer contribution / active EE | $1,427 | $5,161-72.4% | $4,137-65.5% | $4,839-70.5% |
| Participant deferral / active EE | $1,427 | $6,440-77.8% | $5,506-74.1% | $6,342-77.5% |
| Admin fee / account holder | $1,313 | $13,262-90.1% | $10,280-87.2% | $12,315-89.3% |