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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 | $35,020 | $53,128-34.1% | $86,582-59.6% | $70,126-50.1% |
| Participation rate | 98.7% | 65.3%+33.4pp | 73.5%+25.1pp | 69.5%+29.1pp |
| Annual return | 10.46% | 27.66%-17.2pp | 965.08%-954.6pp | 73.15%-62.7pp |
| Employer contribution / active EE | $3,060 | $2,068+48.0% | $2,839+7.8% | $2,343+30.6% |
| Participant deferral / active EE | $683 | $2,695-74.7% | $3,609-81.1% | $3,332-79.5% |
| Admin fee / account holder | $1,063 | $3,584-70.3% | $4,904-78.3% | $4,645-77.1% |