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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 | $44,517 | $87,132-48.9% | $105,624-57.9% | $80,959-45.0% |
| Participation rate | 97.6% | 70.4%+27.2pp | 75.3%+22.3pp | 67.7%+30.0pp |
| Annual return | 9.08% | 17.03%-8.0pp | 116.20%-107.1pp | 35.67%-26.6pp |
| Employer contribution / active EE | $3,001 | $2,397+25.2% | $3,168-5.2% | $2,757+8.9% |
| Participant deferral / active EE | $1,380 | $3,985-65.4% | $5,013-72.5% | $4,300-67.9% |
| Admin fee / account holder | $1,877 | $8,449-77.8% | $10,961-82.9% | $6,925-72.9% |