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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 | $31,431 | $110,410-71.5% | $102,437-69.3% | $145,897-78.5% |
| Participation rate | 90.9% | 77.9%+13.0pp | 74.5%+16.4pp | 80.3%+10.6pp |
| Annual return | 7.20% | 24.85%-17.7pp | 24.95%-17.8pp | 552.29%-545.1pp |
| Employer contribution / active EE | $3,696 | $4,217-12.4% | $3,871-4.5% | $4,663-20.7% |
| Participant deferral / active EE | $416 | $5,622-92.6% | $5,060-91.8% | $6,689-93.8% |
| Admin fee / account holder | $494 | $9,745-94.9% | $8,388-94.1% | $13,390-96.3% |