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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 | $170,969 | $132,099+29.4% | $115,599+47.9% | $138,895+23.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 7.28% | 176.76%-169.5pp | 111.10%-103.8pp | 145.39%-138.1pp |
| Employer contribution / active EE | $19,975 | $3,416+484.8% | $2,955+575.9% | $4,194+376.3% |
| Participant deferral / active EE | $0 | $5,617-100.0% | $4,889-100.0% | $6,396-100.0% |
| Admin fee / account holder | $1,228 | $15,650-92.2% | $12,841-90.4% | $12,562-90.2% |