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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 | $55,196 | $98,776-44.1% | $149,745-63.1% | $79,856-30.9% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.5%-7.5pp | 69.6%+5.4pp |
| Annual return | 7.02% | 27.38%-20.4pp | 276.72%-269.7pp | 31.71%-24.7pp |
| Employer contribution / active EE | $8,025 | $3,217+149.4% | $4,646+72.7% | $2,471+224.7% |
| Participant deferral / active EE | $2,075 | $5,681-63.5% | $6,843-69.7% | $3,741-44.5% |
| Admin fee / account holder | $13,381 | $6,053+121.1% | $9,312+43.7% | $5,306+152.2% |