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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 | $37,890 | $60,349-37.2% | $74,184-48.9% | $62,881-39.7% |
| Participation rate | 84.8% | 72.7%+12.1pp | 76.6%+8.2pp | 69.3%+15.5pp |
| Annual return | 3.61% | 21.38%-17.8pp | 17.74%-14.1pp | 20.14%-16.5pp |
| Employer contribution / active EE | $1,717 | $1,680+2.2% | $2,370-27.6% | $2,281-24.7% |
| Participant deferral / active EE | $718 | $2,856-74.9% | $3,550-79.8% | $3,203-77.6% |
| Admin fee / account holder | $2,529 | $4,261-40.6% | $5,586-54.7% | $4,296-41.1% |