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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 | $72,170 | $123,793-41.7% | $177,840-59.4% | $79,852-9.6% |
| Participation rate | 97.4% | 84.7%+12.8pp | 87.7%+9.7pp | 69.6%+27.8pp |
| Annual return | 9.25% | 22.82%-13.6pp | 48.32%-39.1pp | 31.72%-22.5pp |
| Employer contribution / active EE | $3,306 | $4,095-19.3% | $5,919-44.1% | $2,471+33.8% |
| Participant deferral / active EE | $2,330 | $5,956-60.9% | $7,714-69.8% | $3,740-37.7% |
| Admin fee / account holder | $1,037 | $7,243-85.7% | $12,431-91.7% | $5,306-80.5% |