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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 | $94,095 | $81,487+15.5% | $102,412-8.1% | $80,935+16.3% |
| Participation rate | 88.5% | 66.8%+21.6pp | 74.5%+14.0pp | 67.7%+20.8pp |
| Annual return | 8.26% | 25.60%-17.3pp | 24.94%-16.7pp | 35.66%-27.4pp |
| Employer contribution / active EE | $10,520 | $3,103+239.0% | $3,870+171.8% | $2,757+281.6% |
| Participant deferral / active EE | $550 | $3,871-85.8% | $5,060-89.1% | $4,299-87.2% |
| Admin fee / account holder | $11,312 | $6,717+68.4% | $8,388+34.9% | $6,924+63.4% |