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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 | $139,225 | $176,105-20.9% | $159,474-12.7% | $167,536-16.9% |
| Participation rate | 83.3% | 85.0%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 8.42% | 331.91%-323.5pp | 263.68%-255.3pp | 478.82%-470.4pp |
| Employer contribution / active EE | $1,757 | $5,299-66.8% | $4,831-63.6% | $4,839-63.7% |
| Participant deferral / active EE | $2,415 | $7,751-68.8% | $7,353-67.2% | $6,342-61.9% |
| Admin fee / account holder | $3,234 | $12,559-74.3% | $10,802-70.1% | $12,315-73.7% |