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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 | $2,542 | $77,816-96.7% | $123,552-97.9% | $64,173-96.0% |
| Participation rate | 83.5% | 74.7%+8.8pp | 82.3%+1.2pp | 69.6%+14.0pp |
| Annual return | -14.18% | 12.49%-26.7pp | 119.20%-133.4pp | 7.63%-21.8pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,838 | $5,240-64.9% | $6,426-71.4% | $3,470-47.0% |
| Admin fee / account holder | $380 | $5,519-93.1% | $9,285-95.9% | $4,887-92.2% |