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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 | $79,850 | $95,453-16.3% | $112,040-28.7% | $82,448-3.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 9.14% | 23.92%-14.8pp | 24.52%-15.4pp | 41.64%-32.5pp |
| Employer contribution / active EE | $3,708 | $2,318+60.0% | $2,954+25.5% | $2,551+45.4% |
| Participant deferral / active EE | $1,930 | $4,224-54.3% | $5,098-62.1% | $4,139-53.4% |
| Admin fee / account holder | $2,510 | $9,013-72.2% | $12,098-79.3% | $7,234-65.3% |