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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 | $67,777 | $118,496-42.8% | $98,461-31.2% | $139,466-51.4% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 4.72% | 18.96%-14.2pp | 21.17%-16.4pp | 373.66%-368.9pp |
| Employer contribution / active EE | $1,451 | $3,611-59.8% | $3,049-52.4% | $4,754-69.5% |
| Participant deferral / active EE | $1,348 | $5,393-75.0% | $4,738-71.6% | $6,712-79.9% |
| Admin fee / account holder | $3,728 | $14,056-73.5% | $8,961-58.4% | $11,409-67.3% |