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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 | $122,659 | $129,737-5.5% | $119,126+3.0% | $154,746-20.7% |
| Participation rate | 75.0% | 78.9%-3.9pp | 75.8%-0.8pp | 80.7%-5.7pp |
| Annual return | 7.95% | 379.08%-371.1pp | 282.11%-274.2pp | 172.34%-164.4pp |
| Employer contribution / active EE | $2,292 | $4,375-47.6% | $4,034-43.2% | $4,379-47.7% |
| Participant deferral / active EE | $594 | $5,842-89.8% | $5,318-88.8% | $6,730-91.2% |
| Admin fee / account holder | $14,763 | $11,961+23.4% | $10,693+38.1% | $14,365+2.8% |