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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,237 | $56,894-96.1% | $84,753-97.4% | $62,881-96.4% |
| Participation rate | 87.8% | 68.5%+19.2pp | 76.6%+11.2pp | 69.3%+18.5pp |
| Annual return | -9.61% | 6.30%-15.9pp | 22.78%-32.4pp | 20.14%-29.8pp |
| Employer contribution / active EE | $2,008 | $2,400-16.3% | $3,574-43.8% | $2,281-12.0% |
| Participant deferral / active EE | $458 | $2,709-83.1% | $3,712-87.7% | $3,203-85.7% |
| Admin fee / account holder | $480 | $3,581-86.6% | $5,333-91.0% | $4,296-88.8% |