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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 | $97,550-18.1% | $120,344-33.6% | $87,485-8.7% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 9.14% | 18.41%-9.3pp | 20.30%-11.2pp | 26.06%-16.9pp |
| Employer contribution / active EE | $3,708 | $2,291+61.9% | $3,020+22.8% | $2,596+42.8% |
| Participant deferral / active EE | $1,930 | $4,230-54.4% | $5,135-62.4% | $4,274-54.8% |
| Admin fee / account holder | $2,510 | $9,543-73.7% | $12,742-80.3% | $7,775-67.7% |