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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 | $82,761 | $72,269+14.5% | $101,271-18.3% | $79,852+3.6% |
| Participation rate | 97.4% | 68.5%+28.9pp | 75.8%+21.6pp | 69.6%+27.7pp |
| Annual return | 10.24% | 22.29%-12.1pp | 46.48%-36.2pp | 31.72%-21.5pp |
| Employer contribution / active EE | $9,595 | $2,692+256.4% | $3,660+162.1% | $2,471+288.3% |
| Participant deferral / active EE | $487 | $3,282-85.2% | $4,371-88.9% | $3,740-87.0% |
| Admin fee / account holder | $969 | $4,401-78.0% | $5,948-83.7% | $5,306-81.7% |