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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 | $87,359 | $135,956-35.7% | $123,894-29.5% | $273,972-68.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 3.54% | 56.63%-53.1pp | 47.52%-44.0pp | 41.46%-37.9pp |
| Employer contribution / active EE | $3,114 | $5,170-39.8% | $4,617-32.5% | $4,869-36.0% |
| Participant deferral / active EE | $1,574 | $6,343-75.2% | $5,984-73.7% | $5,287-70.2% |
| Admin fee / account holder | $373 | $9,817-96.2% | $8,357-95.5% | $10,133-96.3% |