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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 | $150,705 | $87,878+71.5% | $97,411+54.7% | $82,637+82.4% |
| Participation rate | 83.9% | 75.6%+8.3pp | 80.4%+3.5pp | 68.1%+15.8pp |
| Annual return | 11.40% | 54.63%-43.2pp | 34.72%-23.3pp | 53.51%-42.1pp |
| Employer contribution / active EE | $15,040 | $3,800+295.8% | $4,210+257.3% | $2,552+489.3% |
| Participant deferral / active EE | $956 | $5,525-82.7% | $5,886-83.8% | $4,126-76.8% |
| Admin fee / account holder | $5,352 | $6,743-20.6% | $7,145-25.1% | $7,339-27.1% |