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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 | $60,687 | $65,364-7.2% | $92,909-34.7% | $72,975-16.8% |
| Participation rate | 93.2% | 68.3%+24.9pp | 76.0%+17.2pp | 69.5%+23.7pp |
| Annual return | 16.30% | 42.11%-25.8pp | 109.44%-93.1pp | 81.01%-64.7pp |
| Employer contribution / active EE | $11,722 | $2,594+351.8% | $3,653+220.9% | $2,440+380.4% |
| Participant deferral / active EE | $0 | $3,128-100.0% | $4,238-100.0% | $3,608-100.0% |
| Admin fee / account holder | $6,289 | $4,251+47.9% | $5,795+8.5% | $5,124+22.7% |