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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 | $36,061 | $96,731-62.7% | $123,973-70.9% | $86,983-58.5% |
| Participation rate | 85.2% | 70.0%+15.2pp | 76.7%+8.5pp | 69.5%+15.6pp |
| Annual return | 9.73% | 17.33%-7.6pp | 388.13%-378.4pp | 25.83%-16.1pp |
| Employer contribution / active EE | $6,070 | $3,297+84.1% | $4,126+47.1% | $2,584+134.9% |
| Participant deferral / active EE | $1,522 | $4,152-63.3% | $5,247-71.0% | $4,194-63.7% |
| Admin fee / account holder | $4,076 | $8,722-53.3% | $11,799-65.5% | $7,856-48.1% |