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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 | $42,945 | $52,678-18.5% | $75,784-43.3% | $59,633-28.0% |
| Participation rate | 85.7% | 67.2%+18.5pp | 75.8%+9.9pp | 68.7%+17.0pp |
| Annual return | -3.66% | 2.95%-6.6pp | 9.68%-13.3pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $10,108 | $2,193+360.8% | $3,323+204.1% | $2,203+358.9% |
| Participant deferral / active EE | $784 | $2,591-69.7% | $3,652-78.5% | $3,192-75.4% |
| Admin fee / account holder | $12,005 | $3,610+232.6% | $5,300+126.5% | $4,297+179.4% |