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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 | $25,441 | $124,314-79.5% | $109,163-76.7% | $167,518-84.8% |
| Participation rate | 75.0% | 79.4%-4.4pp | 75.9%-0.9pp | 82.1%-7.1pp |
| Annual return | 8.39% | 26.04%-17.7pp | 25.75%-17.4pp | 478.71%-470.3pp |
| Employer contribution / active EE | $9,248 | $4,209+119.7% | $3,723+148.4% | $4,838+91.1% |
| Participant deferral / active EE | $232 | $5,256-95.6% | $4,654-95.0% | $6,342-96.3% |
| Admin fee / account holder | $1,320 | $7,973-83.4% | $6,754-80.5% | $12,312-89.3% |