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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 | $81,838 | $157,304-48.0% | $141,197-42.0% | $152,909-46.5% |
| Participation rate | 72.2% | 84.8%-12.6pp | 82.5%-10.3pp | 82.5%-10.2pp |
| Annual return | 11.10% | 64.34%-53.2pp | 71.41%-60.3pp | 345.46%-334.4pp |
| Employer contribution / active EE | $5,556 | $5,263+5.6% | $4,736+17.3% | $4,764+16.6% |
| Participant deferral / active EE | $2,239 | $7,111-68.5% | $6,710-66.6% | $5,851-61.7% |
| Admin fee / account holder | $4,190 | $12,126-65.4% | $10,265-59.2% | $11,601-63.9% |