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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 | $68,969 | $183,539-62.4% | $155,556-55.7% | $145,897-52.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.79% | 61.31%-53.5pp | 64.84%-57.0pp | 552.29%-544.5pp |
| Employer contribution / active EE | $3,652 | $5,315-31.3% | $4,675-21.9% | $4,663-21.7% |
| Participant deferral / active EE | $353 | $6,467-94.5% | $5,631-93.7% | $6,689-94.7% |
| Admin fee / account holder | $2,270 | $19,275-88.2% | $15,885-85.7% | $13,390-83.0% |