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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 | $158,193 | $184,014-14.0% | $161,149-1.8% | $138,895+13.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 6.58% | 21.52%-14.9pp | 21.16%-14.6pp | 145.39%-138.8pp |
| Employer contribution / active EE | $1,829 | $5,055-63.8% | $4,360-58.0% | $4,194-56.4% |
| Participant deferral / active EE | $1,000 | $6,909-85.5% | $6,153-83.7% | $6,396-84.4% |
| Admin fee / account holder | $4,399 | $18,027-75.6% | $15,194-71.1% | $12,562-65.0% |