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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 | $93,118 | $141,004-34.0% | $112,273-17.1% | $139,466-33.2% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 6.32% | 32.75%-26.4pp | 30.23%-23.9pp | 373.66%-367.3pp |
| Employer contribution / active EE | $817 | $4,285-80.9% | $3,431-76.2% | $4,754-82.8% |
| Participant deferral / active EE | $817 | $5,878-86.1% | $4,800-83.0% | $6,712-87.8% |
| Admin fee / account holder | $1,528 | $9,959-84.7% | $7,752-80.3% | $11,409-86.6% |