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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 | $39,199 | $67,602-42.0% | $82,312-52.4% | $70,126-44.1% |
| Participation rate | 84.8% | 72.8%+12.1pp | 76.9%+8.0pp | 69.5%+15.3pp |
| Annual return | 11.46% | 21.57%-10.1pp | 25.88%-14.4pp | 73.15%-61.7pp |
| Employer contribution / active EE | $1,171 | $1,755-33.3% | $2,428-51.8% | $2,343-50.0% |
| Participant deferral / active EE | $743 | $2,987-75.1% | $3,706-80.0% | $3,332-77.7% |
| Admin fee / account holder | $5,125 | $4,512+13.6% | $5,608-8.6% | $4,645+10.3% |