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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 | $157,343 | $184,000-14.5% | $162,185-3.0% | $152,909+2.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 3.53% | 150.80%-147.3pp | 115.61%-112.1pp | 345.46%-341.9pp |
| Employer contribution / active EE | $6,025 | $6,370-5.4% | $5,613+7.3% | $4,764+26.5% |
| Participant deferral / active EE | $1,658 | $8,033-79.4% | $7,297-77.3% | $5,851-71.7% |
| Admin fee / account holder | $4,370 | $13,124-66.7% | $10,844-59.7% | $11,601-62.3% |