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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 | $196,161 | $124,351+57.7% | $109,188+79.7% | $167,553+17.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 4.81% | 26.04%-21.2pp | 25.76%-20.9pp | 478.89%-474.1pp |
| Employer contribution / active EE | $1,768 | $4,210-58.0% | $3,723-52.5% | $4,840-63.5% |
| Participant deferral / active EE | $693 | $5,257-86.8% | $4,654-85.1% | $6,343-89.1% |
| Admin fee / account holder | $2,321 | $7,975-70.9% | $6,755-65.6% | $12,316-81.2% |