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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 | $173,021 | $157,270+10.0% | $141,173+22.6% | $152,870+13.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.4%+17.6pp |
| Annual return | 1.52% | 64.33%-62.8pp | 71.40%-69.9pp | 345.34%-343.8pp |
| Employer contribution / active EE | $1,312 | $5,261-75.1% | $4,735-72.3% | $4,763-72.5% |
| Participant deferral / active EE | $616 | $7,110-91.3% | $6,710-90.8% | $5,850-89.5% |
| Admin fee / account holder | $2,392 | $12,121-80.3% | $10,262-76.7% | $11,597-79.4% |