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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 | $29,200 | $81,457-64.2% | $103,378-71.8% | $80,911-63.9% |
| Participation rate | 71.1% | 66.8%+4.2pp | 74.5%-3.5pp | 67.6%+3.4pp |
| Annual return | 5.29% | 25.58%-20.3pp | 24.91%-19.6pp | 35.63%-30.3pp |
| Employer contribution / active EE | $5,322 | $3,107+71.3% | $3,870+37.5% | $2,756+93.1% |
| Participant deferral / active EE | $309 | $3,871-92.0% | $5,058-93.9% | $4,297-92.8% |
| Admin fee / account holder | $934 | $6,717-86.1% | $8,401-88.9% | $6,935-86.5% |