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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 | $154,339 | $124,330+24.1% | $109,173+41.4% | $167,536-7.9% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 7.25% | 26.04%-18.8pp | 25.75%-18.5pp | 478.82%-471.6pp |
| Employer contribution / active EE | $7,692 | $4,209+82.7% | $3,723+106.6% | $4,839+59.0% |
| Participant deferral / active EE | $1,374 | $5,256-73.9% | $4,654-70.5% | $6,342-78.3% |
| Admin fee / account holder | $2,661 | $7,974-66.6% | $6,755-60.6% | $12,315-78.4% |