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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 | $33,760 | $102,429-67.0% | $147,096-77.0% | $80,925-58.3% |
| Participation rate | 89.1% | 75.9%+13.2pp | 82.2%+6.9pp | 67.7%+21.4pp |
| Annual return | 7.52% | 135.02%-127.5pp | 419.75%-412.2pp | 35.65%-28.1pp |
| Employer contribution / active EE | $4,123 | $3,716+11.0% | $4,936-16.5% | $2,756+49.6% |
| Participant deferral / active EE | $1,600 | $6,649-75.9% | $8,071-80.2% | $4,299-62.8% |
| Admin fee / account holder | $828 | $7,957-89.6% | $13,005-93.6% | $6,940-88.1% |