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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 | $38,275 | $80,983-52.7% | $96,544-60.4% | $75,177-49.1% |
| Participation rate | 80.3% | 71.8%+8.5pp | 76.0%+4.3pp | 67.2%+13.1pp |
| Annual return | 13.78% | 27.05%-13.3pp | 25.88%-12.1pp | 160.75%-147.0pp |
| Employer contribution / active EE | $1,580 | $2,282-30.8% | $2,966-46.8% | $2,671-40.9% |
| Participant deferral / active EE | $464 | $3,929-88.2% | $4,851-90.4% | $4,126-88.7% |
| Admin fee / account holder | $596 | $6,717-91.1% | $8,254-92.8% | $5,651-89.5% |