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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 | $28,478 | $111,814-74.5% | $103,378-72.5% | $145,978-80.5% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.5pp |
| Annual return | 8.62% | 24.80%-16.2pp | 24.91%-16.3pp | 550.52%-541.9pp |
| Employer contribution / active EE | $1,021 | $4,215-75.8% | $3,870-73.6% | $4,662-78.1% |
| Participant deferral / active EE | $1,085 | $5,618-80.7% | $5,058-78.6% | $6,690-83.8% |
| Admin fee / account holder | $482 | $9,764-95.1% | $8,401-94.3% | $13,400-96.4% |