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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 | $197,069 | $160,070+23.1% | $147,117+34.0% | $145,897+35.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.64% | 98.69%-89.0pp | 420.54%-410.9pp | 552.29%-542.7pp |
| Employer contribution / active EE | $13,122 | $5,285+148.3% | $4,932+166.0% | $4,663+181.4% |
| Participant deferral / active EE | $1,906 | $8,419-77.4% | $8,065-76.4% | $6,689-71.5% |
| Admin fee / account holder | $2,395 | $15,035-84.1% | $12,993-81.6% | $13,390-82.1% |