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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 | $56,113 | $160,040-64.9% | $147,096-61.9% | $145,877-61.5% |
| Participation rate | 81.8% | 84.0%-2.2pp | 82.2%-0.4pp | 80.3%+1.5pp |
| Annual return | 8.95% | 98.49%-89.5pp | 419.75%-410.8pp | 551.28%-542.3pp |
| Employer contribution / active EE | $2,465 | $5,289-53.4% | $4,936-50.1% | $4,663-47.1% |
| Participant deferral / active EE | $2,321 | $8,429-72.5% | $8,071-71.2% | $6,691-65.3% |
| Admin fee / account holder | $2,040 | $15,050-86.4% | $13,005-84.3% | $13,402-84.8% |