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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 | $72,478 | $115,814-37.4% | $101,275-28.4% | $158,982-54.4% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.8%+4.2pp | 82.0%-2.0pp |
| Annual return | 4.99% | 56.16%-51.2pp | 46.48%-41.5pp | 302.99%-298.0pp |
| Employer contribution / active EE | $3,000 | $4,176-28.2% | $3,660-18.0% | $4,763-37.0% |
| Participant deferral / active EE | $0 | $4,958-100.0% | $4,371-100.0% | $5,983-100.0% |
| Admin fee / account holder | $441 | $7,249-93.9% | $5,948-92.6% | $11,252-96.1% |