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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 | $119,860 | $108,942+10.0% | $100,415+19.4% | $145,897-17.8% |
| Participation rate | 87.5% | 83.0%+4.5pp | 81.5%+6.0pp | 80.3%+7.2pp |
| Annual return | 3.97% | 58.27%-54.3pp | 49.47%-45.5pp | 552.29%-548.3pp |
| Employer contribution / active EE | $1,549 | $4,422-65.0% | $3,943-60.7% | $4,663-66.8% |
| Participant deferral / active EE | $1,758 | $8,461-79.2% | $8,091-78.3% | $6,689-73.7% |
| Admin fee / account holder | $5,631 | $9,702-42.0% | $7,906-28.8% | $13,390-57.9% |