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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 | $60,767 | $78,670-22.8% | $109,173-44.3% | $85,847-29.2% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 11.12% | 25.09%-14.0pp | 25.75%-14.6pp | 318.61%-307.5pp |
| Employer contribution / active EE | $20,686 | $2,734+656.7% | $3,723+455.7% | $2,565+706.4% |
| Participant deferral / active EE | $1,315 | $3,467-62.1% | $4,654-71.7% | $3,952-66.7% |
| Admin fee / account holder | $7,607 | $5,469+39.1% | $6,755+12.6% | $6,261+21.5% |