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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 | $33,590 | $72,486-53.7% | $87,103-61.4% | $72,976-54.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 21.44% | 24.46%-3.0pp | 28.19%-6.8pp | 81.02%-59.6pp |
| Employer contribution / active EE | $4,187 | $1,894+121.1% | $2,521+66.1% | $2,440+71.6% |
| Participant deferral / active EE | $808 | $3,270-75.3% | $4,049-80.0% | $3,608-77.6% |
| Admin fee / account holder | $480 | $5,055-90.5% | $7,491-93.6% | $5,124-90.6% |