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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 | $37,885 | $124,351-69.5% | $109,188-65.3% | $167,553-77.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 9.56% | 26.04%-16.5pp | 25.76%-16.2pp | 478.89%-469.3pp |
| Employer contribution / active EE | $4,671 | $4,210+11.0% | $3,723+25.5% | $4,840-3.5% |
| Participant deferral / active EE | $986 | $5,257-81.2% | $4,654-78.8% | $6,343-84.4% |
| Admin fee / account holder | $7,585 | $7,975-4.9% | $6,755+12.3% | $12,316-38.4% |