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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 | $226,401 | $127,790+77.2% | $106,555+112.5% | $167,536+35.1% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 5.90% | 33.88%-28.0pp | 26.80%-20.9pp | 478.82%-472.9pp |
| Employer contribution / active EE | $0 | $3,428-100.0% | $2,819-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $1,022 | $5,088-79.9% | $4,399-76.8% | $6,342-83.9% |
| Admin fee / account holder | $13,469 | $11,229+19.9% | $7,408+81.8% | $12,315+9.4% |