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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 | $123,155-80.6% | $108,753-78.0% | $155,188-84.6% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 5.23% | 44.73%-39.5pp | 37.47%-32.2pp | 148.84%-143.6pp |
| Employer contribution / active EE | $2,857 | $2,811+1.6% | $2,427+17.7% | $4,248-32.7% |
| Participant deferral / active EE | $234 | $4,623-94.9% | $4,115-94.3% | $6,531-96.4% |
| Admin fee / account holder | $704 | $12,126-94.2% | $10,320-93.2% | $14,480-95.1% |