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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 | $60,104 | $93,617-35.8% | $135,982-55.8% | $75,177-20.1% |
| Participation rate | 94.4% | 75.2%+19.2pp | 81.9%+12.4pp | 67.2%+27.2pp |
| Annual return | 15.08% | 30.89%-15.8pp | 68.32%-53.2pp | 160.75%-145.7pp |
| Employer contribution / active EE | $3,442 | $3,538-2.7% | $4,859-29.2% | $2,671+28.8% |
| Participant deferral / active EE | $2,275 | $6,406-64.5% | $7,760-70.7% | $4,126-44.9% |
| Admin fee / account holder | $17,507 | $6,980+150.8% | $10,767+62.6% | $5,651+209.8% |