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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 | $89,416 | $103,387-13.5% | $87,102+2.7% | $152,885-41.5% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.9%+10.6pp | 82.5%+5.0pp |
| Annual return | 9.60% | 28.10%-18.5pp | 28.19%-18.6pp | 345.39%-335.8pp |
| Employer contribution / active EE | $14,477 | $3,221+349.5% | $2,521+474.2% | $4,763+203.9% |
| Participant deferral / active EE | $638 | $4,778-86.7% | $4,048-84.3% | $5,851-89.1% |
| Admin fee / account holder | $541 | $12,193-95.6% | $7,491-92.8% | $11,598-95.3% |