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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 | $75,858 | $95,453-20.5% | $112,040-32.3% | $82,448-8.0% |
| Participation rate | 97.6% | 72.8%+24.8pp | 76.5%+21.1pp | 68.1%+29.5pp |
| Annual return | 13.82% | 23.92%-10.1pp | 24.52%-10.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,898 | $2,318-18.1% | $2,954-35.7% | $2,551-25.6% |
| Participant deferral / active EE | $1,016 | $4,224-76.0% | $5,098-80.1% | $4,139-75.5% |
| Admin fee / account holder | $3,420 | $9,013-62.1% | $12,098-71.7% | $7,234-52.7% |