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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 | $23,921 | $124,980-80.9% | $108,359-77.9% | $154,746-84.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 5.23% | 45.00%-39.8pp | 36.89%-31.7pp | 172.34%-167.1pp |
| Employer contribution / active EE | $2,857 | $2,851+0.2% | $2,399+19.1% | $4,379-34.8% |
| Participant deferral / active EE | $234 | $4,743-95.1% | $4,137-94.3% | $6,730-96.5% |
| Admin fee / account holder | $704 | $11,502-93.9% | $9,741-92.8% | $14,365-95.1% |