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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 | $17,888 | $124,425-85.6% | $112,040-84.0% | $137,256-87.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 5.65% | 24.72%-19.1pp | 24.52%-18.9pp | 220.34%-214.7pp |
| Employer contribution / active EE | $2,223 | $3,411-34.8% | $2,954-24.7% | $4,156-46.5% |
| Participant deferral / active EE | $1,364 | $5,718-76.1% | $5,098-73.2% | $6,407-78.7% |
| Admin fee / account holder | $111,791 | $15,207+635.1% | $12,098+824.0% | $12,270+811.1% |