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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 | $119,115 | $110,337+8.0% | $102,383+16.3% | $145,877-18.3% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.4pp |
| Annual return | 4.59% | 24.83%-20.2pp | 24.94%-20.3pp | 551.28%-546.7pp |
| Employer contribution / active EE | $19,004 | $4,216+350.8% | $3,870+391.0% | $4,663+307.5% |
| Participant deferral / active EE | $822 | $5,621-85.4% | $5,060-83.7% | $6,691-87.7% |
| Admin fee / account holder | $347,207 | $9,750+3461.2% | $8,391+4037.7% | $13,402+2490.7% |