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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 | $87,273 | $62,583+39.5% | $76,767+13.7% | $64,173+36.0% |
| Participation rate | 82.9% | 72.8%+10.1pp | 77.0%+5.9pp | 69.6%+13.3pp |
| Annual return | -8.02% | -1.95%-6.1pp | 2.43%-10.4pp | 7.63%-15.7pp |
| Employer contribution / active EE | $2,009 | $1,832+9.7% | $2,485-19.1% | $2,381-15.6% |
| Participant deferral / active EE | $1,354 | $3,145-56.9% | $3,852-64.8% | $3,470-61.0% |
| Admin fee / account holder | $4,374 | $4,667-6.3% | $6,675-34.5% | $4,887-10.5% |