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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 | $201,507 | $176,120+14.4% | $159,487+26.3% | $167,553+20.3% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 8.88% | 331.95%-323.1pp | 263.71%-254.8pp | 478.89%-470.0pp |
| Employer contribution / active EE | $2,198 | $5,299-58.5% | $4,831-54.5% | $4,840-54.6% |
| Participant deferral / active EE | $462 | $7,752-94.0% | $7,354-93.7% | $6,343-92.7% |
| Admin fee / account holder | $2,255 | $12,561-82.0% | $10,804-79.1% | $12,316-81.7% |