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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 | $53,686 | $123,478-56.5% | $216,567-75.2% | $94,015-42.9% |
| Participation rate | 84.8% | 75.1%+9.7pp | 81.6%+3.2pp | 70.8%+14.0pp |
| Annual return | 4.54% | 23.61%-19.1pp | 12.94%-8.4pp | 17.84%-13.3pp |
| Employer contribution / active EE | $3,858 | $3,136+23.0% | $5,216-26.0% | $2,790+38.3% |
| Participant deferral / active EE | $1,835 | $4,556-59.7% | $6,191-70.4% | $4,249-56.8% |
| Admin fee / account holder | $3,347 | $12,753-73.8% | $21,981-84.8% | $8,951-62.6% |