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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 | $100,143 | $115,814-13.5% | $101,275-1.1% | $158,982-37.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 5.01% | 56.16%-51.2pp | 46.48%-41.5pp | 302.99%-298.0pp |
| Employer contribution / active EE | $2,890 | $4,176-30.8% | $3,660-21.0% | $4,763-39.3% |
| Participant deferral / active EE | $844 | $4,958-83.0% | $4,371-80.7% | $5,983-85.9% |
| Admin fee / account holder | $6,739 | $7,249-7.0% | $5,948+13.3% | $11,252-40.1% |