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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 | $114,712-17.2% | $173,730-45.3% | $87,485+8.6% |
| Participation rate | 90.3% | 73.0%+17.3pp | 79.6%+10.8pp | 68.9%+21.4pp |
| Annual return | 10.49% | 20.18%-9.7pp | 19.96%-9.5pp | 26.06%-15.6pp |
| Employer contribution / active EE | $1,290 | $2,904-55.6% | $4,577-71.8% | $2,596-50.3% |
| Participant deferral / active EE | $906 | $4,642-80.5% | $6,326-85.7% | $4,274-78.8% |
| Admin fee / account holder | $4,293 | $10,210-58.0% | $17,523-75.5% | $7,775-44.8% |