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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 | $228,683 | $159,934+43.0% | $147,005+55.6% | $145,959+56.7% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.5pp | 80.3%+4.3pp |
| Annual return | 9.52% | 98.24%-88.7pp | 418.76%-409.2pp | 561.95%-552.4pp |
| Employer contribution / active EE | $1,368 | $5,287-74.1% | $4,934-72.3% | $4,661-70.7% |
| Participant deferral / active EE | $1,892 | $8,427-77.5% | $8,070-76.6% | $6,689-71.7% |
| Admin fee / account holder | $6,302 | $15,053-58.1% | $13,006-51.5% | $13,398-53.0% |