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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 | $66,825 | $102,429-34.8% | $147,096-54.6% | $80,925-17.4% |
| Participation rate | 79.3% | 75.9%+3.4pp | 82.2%-2.9pp | 67.7%+11.7pp |
| Annual return | 10.88% | 135.02%-124.1pp | 419.75%-408.9pp | 35.65%-24.8pp |
| Employer contribution / active EE | $3,448 | $3,716-7.2% | $4,936-30.1% | $2,756+25.1% |
| Participant deferral / active EE | $2,302 | $6,649-65.4% | $8,071-71.5% | $4,299-46.5% |
| Admin fee / account holder | $25,552 | $7,957+221.1% | $13,005+96.5% | $6,940+268.2% |