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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 | $36,998 | $78,707-53.0% | $117,861-68.6% | $70,126-47.2% |
| Participation rate | 94.4% | 73.2%+21.3pp | 79.7%+14.8pp | 69.5%+24.9pp |
| Annual return | 11.97% | 23.30%-11.3pp | 335.11%-323.1pp | 73.15%-61.2pp |
| Employer contribution / active EE | $803 | $2,223-63.9% | $3,786-78.8% | $2,343-65.7% |
| Participant deferral / active EE | $1,377 | $3,297-58.2% | $4,482-69.3% | $3,332-58.7% |
| Admin fee / account holder | $1,184 | $5,066-76.6% | $8,021-85.2% | $4,645-74.5% |