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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 | $53,024 | $88,672-40.2% | $105,223-49.6% | $82,448-35.7% |
| Participation rate | 88.6% | 67.9%+20.7pp | 75.0%+13.6pp | 68.1%+20.6pp |
| Annual return | 12.33% | 30.86%-18.5pp | 180.65%-168.3pp | 41.64%-29.3pp |
| Employer contribution / active EE | $22,174 | $3,048+627.5% | $3,689+501.2% | $2,551+769.3% |
| Participant deferral / active EE | $176 | $4,036-95.6% | $5,072-96.5% | $4,139-95.8% |
| Admin fee / account holder | $8,971 | $7,146+25.5% | $8,859+1.3% | $7,234+24.0% |