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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 | $44,443 | $89,259-50.2% | $107,187-58.5% | $82,637-46.2% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 11.86% | 21.02%-9.2pp | 204.55%-192.7pp | 53.51%-41.6pp |
| Employer contribution / active EE | $5,044 | $3,080+63.8% | $3,782+33.4% | $2,552+97.6% |
| Participant deferral / active EE | $1,297 | $4,037-67.9% | $5,096-74.6% | $4,126-68.6% |
| Admin fee / account holder | $2,141 | $7,381-71.0% | $9,162-76.6% | $7,339-70.8% |