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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 | $29,585 | $51,207-42.2% | $70,565-58.1% | $75,177-60.6% |
| Participation rate | 100.0% | 61.0%+39.0pp | 68.4%+31.6pp | 67.2%+32.8pp |
| Annual return | 13.45% | 30.05%-16.6pp | 32.79%-19.3pp | 160.75%-147.3pp |
| Employer contribution / active EE | $1,200 | $1,826-34.3% | $2,976-59.7% | $2,671-55.1% |
| Participant deferral / active EE | $104 | $2,850-96.4% | $4,568-97.7% | $4,126-97.5% |
| Admin fee / account holder | $613 | $4,097-85.0% | $6,430-90.5% | $5,651-89.2% |