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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $29,262 | $111,814-73.8% | $103,378-71.7% | $145,978-80.0% |
| Participation rate | 89.5% | 77.9%+11.5pp | 74.5%+15.0pp | 80.3%+9.2pp |
| Annual return | 7.02% | 24.80%-17.8pp | 24.91%-17.9pp | 550.52%-543.5pp |
| Employer contribution / active EE | $1,053 | $4,215-75.0% | $3,870-72.8% | $4,662-77.4% |
| Participant deferral / active EE | $373 | $5,618-93.4% | $5,058-92.6% | $6,690-94.4% |
| Admin fee / account holder | $2,348 | $9,764-76.0% | $8,401-72.1% | $13,400-82.5% |