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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 | $70,750 | $103,393-31.6% | $87,103-18.8% | $152,909-53.7% |
| Participation rate | 90.9% | 79.4%+11.6pp | 76.9%+14.0pp | 82.5%+8.5pp |
| Annual return | 4.43% | 28.10%-23.7pp | 28.19%-23.8pp | 345.46%-341.0pp |
| Employer contribution / active EE | $1,083 | $3,221-66.4% | $2,521-57.1% | $4,764-77.3% |
| Participant deferral / active EE | $1,276 | $4,778-73.3% | $4,049-68.5% | $5,851-78.2% |
| Admin fee / account holder | $13,376 | $12,195+9.7% | $7,491+78.6% | $11,601+15.3% |