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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 | $55,501 | $81,457-31.9% | $103,378-46.3% | $80,911-31.4% |
| Participation rate | 86.4% | 66.8%+19.5pp | 74.5%+11.9pp | 67.6%+18.7pp |
| Annual return | 9.04% | 25.58%-16.5pp | 24.91%-15.9pp | 35.63%-26.6pp |
| Employer contribution / active EE | $3,957 | $3,107+27.3% | $3,870+2.2% | $2,756+43.6% |
| Participant deferral / active EE | $282 | $3,871-92.7% | $5,058-94.4% | $4,297-93.4% |
| Admin fee / account holder | $1,284 | $6,717-80.9% | $8,401-84.7% | $6,935-81.5% |