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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 | $74,504 | $81,504-8.6% | $102,437-27.3% | $80,959-8.0% |
| Participation rate | 79.6% | 66.9%+12.8pp | 74.5%+5.1pp | 67.7%+12.0pp |
| Annual return | 10.38% | 25.60%-15.2pp | 24.95%-14.6pp | 35.67%-25.3pp |
| Employer contribution / active EE | $9,965 | $3,104+221.1% | $3,871+157.4% | $2,757+261.4% |
| Participant deferral / active EE | $767 | $3,871-80.2% | $5,060-84.8% | $4,300-82.2% |
| Admin fee / account holder | $8,213 | $6,719+22.2% | $8,388-2.1% | $6,925+18.6% |