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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 | $27,886 | $56,894-51.0% | $84,753-67.1% | $62,881-55.7% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 2.28% | 6.30%-4.0pp | 22.78%-20.5pp | 20.14%-17.9pp |
| Employer contribution / active EE | $9,648 | $2,400+302.0% | $3,574+169.9% | $2,281+323.0% |
| Participant deferral / active EE | $18 | $2,709-99.3% | $3,712-99.5% | $3,203-99.4% |
| Admin fee / account holder | $1,098 | $3,581-69.3% | $5,333-79.4% | $4,296-74.4% |