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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 | $187,750 | $176,077+6.6% | $159,455+17.7% | $167,518+12.1% |
| Participation rate | 83.3% | 84.9%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 8.56% | 331.83%-323.3pp | 263.63%-255.1pp | 478.71%-470.1pp |
| Employer contribution / active EE | $5,969 | $5,298+12.7% | $4,830+23.6% | $4,838+23.4% |
| Participant deferral / active EE | $2,391 | $7,751-69.2% | $7,353-67.5% | $6,342-62.3% |
| Admin fee / account holder | $3,321 | $12,556-73.5% | $10,800-69.2% | $12,312-73.0% |