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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 | $96,773 | $72,273+33.9% | $101,275-4.4% | $79,856+21.2% |
| Participation rate | 97.1% | 68.5%+28.7pp | 75.8%+21.3pp | 69.6%+27.5pp |
| Annual return | 10.39% | 22.30%-11.9pp | 46.48%-36.1pp | 31.71%-21.3pp |
| Employer contribution / active EE | $5,980 | $2,691+122.2% | $3,660+63.4% | $2,471+142.0% |
| Participant deferral / active EE | $0 | $3,282-100.0% | $4,371-100.0% | $3,741-100.0% |
| Admin fee / account holder | $960 | $4,401-78.2% | $5,948-83.9% | $5,306-81.9% |