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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 | $89,333 | $135,956-34.3% | $123,894-27.9% | $273,972-67.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 1.08% | 56.63%-55.6pp | 47.52%-46.4pp | 41.46%-40.4pp |
| Employer contribution / active EE | $12,743 | $5,170+146.5% | $4,617+176.0% | $4,869+161.7% |
| Participant deferral / active EE | $467 | $6,343-92.6% | $5,984-92.2% | $5,287-91.2% |
| Admin fee / account holder | $996 | $9,817-89.9% | $8,357-88.1% | $10,133-90.2% |