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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 | $109,019 | $106,008+2.8% | $92,240+18.2% | $147,586-26.1% |
| Participation rate | 83.3% | 80.4%+2.9pp | 76.5%+6.9pp | 82.8%+0.5pp |
| Annual return | 4.96% | 50.05%-45.1pp | 176.29%-171.3pp | 578.59%-573.6pp |
| Employer contribution / active EE | $17,371 | $4,333+300.9% | $3,680+372.1% | $4,876+256.2% |
| Participant deferral / active EE | $540 | $4,478-88.0% | $3,897-86.2% | $5,439-90.1% |
| Admin fee / account holder | $1,002 | $6,333-84.2% | $5,194-80.7% | $10,886-90.8% |