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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,139 | $60,349-94.8% | $74,184-95.8% | $62,881-95.0% |
| Participation rate | 96.2% | 72.7%+23.5pp | 76.6%+19.6pp | 69.3%+26.9pp |
| Annual return | 4.49% | 21.38%-16.9pp | 17.74%-13.3pp | 20.14%-15.7pp |
| Employer contribution / active EE | $1,085 | $1,680-35.4% | $2,370-54.2% | $2,281-52.4% |
| Participant deferral / active EE | $878 | $2,856-69.3% | $3,550-75.3% | $3,203-72.6% |
| Admin fee / account holder | $605 | $4,261-85.8% | $5,586-89.2% | $4,296-85.9% |