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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 | $43,675 | $154,228-71.7% | $145,433-70.0% | $137,256-68.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 12.04% | 74.59%-62.5pp | 66.58%-54.5pp | 220.34%-208.3pp |
| Employer contribution / active EE | $1,855 | $4,804-61.4% | $4,554-59.3% | $4,156-55.4% |
| Participant deferral / active EE | $2,182 | $8,216-73.4% | $7,897-72.4% | $6,407-66.0% |
| Admin fee / account holder | $4,776 | $14,344-66.7% | $13,129-63.6% | $12,270-61.1% |