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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 | $94,985 | $115,931-18.1% | $185,441-48.8% | $86,983+9.2% |
| Participation rate | 90.3% | 73.6%+16.7pp | 80.3%+10.1pp | 69.5%+20.8pp |
| Annual return | 10.49% | 21.47%-11.0pp | 20.16%-9.7pp | 25.83%-15.3pp |
| Employer contribution / active EE | $1,290 | $2,937-56.1% | $4,672-72.4% | $2,584-50.1% |
| Participant deferral / active EE | $906 | $4,551-80.1% | $6,152-85.3% | $4,194-78.4% |
| Admin fee / account holder | $4,293 | $10,687-59.8% | $17,890-76.0% | $7,856-45.4% |