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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 | $83,754 | $126,661-33.9% | $113,397-26.1% | $138,895-39.7% |
| Participation rate | 81.8% | 79.4%+2.4pp | 76.5%+5.3pp | 79.9%+1.9pp |
| Annual return | 8.70% | 25.05%-16.4pp | 23.20%-14.5pp | 145.39%-136.7pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,067 | $5,693-81.3% | $5,076-79.0% | $6,396-83.3% |
| Admin fee / account holder | $3,055 | $14,549-79.0% | $11,957-74.4% | $12,562-75.7% |