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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 | $87,037-48.9% | $106,201-58.1% | $80,874-45.0% |
| Participation rate | 97.6% | 70.4%+27.2pp | 75.3%+22.3pp | 67.6%+30.0pp |
| Annual return | 9.08% | 17.05%-8.0pp | 116.26%-107.2pp | 35.62%-26.5pp |
| Employer contribution / active EE | $3,001 | $2,396+25.3% | $3,170-5.3% | $2,756+8.9% |
| Participant deferral / active EE | $1,380 | $3,986-65.4% | $5,012-72.5% | $4,297-67.9% |
| Admin fee / account holder | $1,877 | $8,434-77.7% | $11,039-83.0% | $6,935-72.9% |