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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 | $63,047 | $87,733-28.1% | $106,554-40.8% | $85,851-26.6% |
| Participation rate | 100.0% | 71.9%+28.1pp | 76.1%+23.9pp | 69.3%+30.7pp |
| Annual return | 10.84% | 21.86%-11.0pp | 26.80%-16.0pp | 318.63%-307.8pp |
| Employer contribution / active EE | $4,000 | $2,073+93.0% | $2,819+41.9% | $2,565+55.9% |
| Participant deferral / active EE | $923 | $3,469-73.4% | $4,398-79.0% | $3,952-76.6% |
| Admin fee / account holder | $982 | $6,767-85.5% | $7,408-86.7% | $6,261-84.3% |