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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 | $20,141 | $104,694-80.8% | $85,709-76.5% | $167,536-88.0% |
| Participation rate | 90.0% | 76.4%+13.6pp | 69.9%+20.1pp | 82.1%+7.9pp |
| Annual return | 15.05% | 21.45%-6.4pp | 21.49%-6.4pp | 478.82%-463.8pp |
| Employer contribution / active EE | $2,001 | $3,337-40.1% | $2,619-23.6% | $4,839-58.7% |
| Participant deferral / active EE | $405 | $4,826-91.6% | $3,924-89.7% | $6,342-93.6% |
| Admin fee / account holder | $1,154 | $10,035-88.5% | $6,876-83.2% | $12,315-90.6% |