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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 | $17,046 | $211,224-91.9% | $178,505-90.5% | $145,897-88.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 5.14% | 30.28%-25.1pp | 27.16%-22.0pp | 552.29%-547.1pp |
| Employer contribution / active EE | $6,406 | $4,577+40.0% | $3,955+62.0% | $4,663+37.4% |
| Participant deferral / active EE | $60 | $6,966-99.1% | $6,280-99.0% | $6,689-99.1% |
| Admin fee / account holder | $1,922 | $12,109-84.1% | $10,428-81.6% | $13,390-85.6% |