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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 | $115,225-79.2% | $100,712-76.2% | $138,895-82.8% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 5.23% | 40.35%-35.1pp | 33.27%-28.0pp | 145.39%-140.2pp |
| Employer contribution / active EE | $2,857 | $2,771+3.1% | $2,313+23.5% | $4,194-31.9% |
| Participant deferral / active EE | $234 | $4,699-95.0% | $4,085-94.3% | $6,396-96.3% |
| Admin fee / account holder | $704 | $10,844-93.5% | $9,256-92.4% | $12,562-94.4% |