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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 | $175,380 | $157,304+11.5% | $141,197+24.2% | $152,909+14.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 13.76% | 64.34%-50.6pp | 71.41%-57.6pp | 345.46%-331.7pp |
| Employer contribution / active EE | $28,494 | $5,263+441.4% | $4,736+501.6% | $4,764+498.1% |
| Participant deferral / active EE | $2,000 | $7,111-71.9% | $6,710-70.2% | $5,851-65.8% |
| Admin fee / account holder | $20,333 | $12,126+67.7% | $10,265+98.1% | $11,601+75.3% |