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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 | $23,996 | $78,670-69.5% | $109,173-78.0% | $85,847-72.0% |
| Participation rate | 95.6% | 68.3%+27.3pp | 75.9%+19.7pp | 69.3%+26.3pp |
| Annual return | 9.34% | 25.09%-15.8pp | 25.75%-16.4pp | 318.61%-309.3pp |
| Employer contribution / active EE | $2,725 | $2,734-0.3% | $3,723-26.8% | $2,565+6.2% |
| Participant deferral / active EE | $574 | $3,467-83.5% | $4,654-87.7% | $3,952-85.5% |
| Admin fee / account holder | $4,946 | $5,469-9.6% | $6,755-26.8% | $6,261-21.0% |