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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 | $67,844 | $175,259-61.3% | $149,723-54.7% | $139,487-51.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 4.32% | 166.82%-162.5pp | 134.50%-130.2pp | 373.84%-369.5pp |
| Employer contribution / active EE | $1,690 | $5,478-69.1% | $4,821-64.9% | $4,755-64.4% |
| Participant deferral / active EE | $1,223 | $6,522-81.3% | $5,682-78.5% | $6,713-81.8% |
| Admin fee / account holder | $670 | $16,158-95.9% | $13,215-94.9% | $11,407-94.1% |