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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 | $31,397 | $78,670-60.1% | $109,173-71.2% | $85,847-63.4% |
| Participation rate | 84.6% | 68.3%+16.3pp | 75.9%+8.7pp | 69.3%+15.3pp |
| Annual return | 9.18% | 25.09%-15.9pp | 25.75%-16.6pp | 318.61%-309.4pp |
| Employer contribution / active EE | $6,898 | $2,734+152.3% | $3,723+85.3% | $2,565+168.9% |
| Participant deferral / active EE | $251 | $3,467-92.8% | $4,654-94.6% | $3,952-93.7% |
| Admin fee / account holder | $3,136 | $5,469-42.7% | $6,755-53.6% | $6,261-49.9% |