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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 | $98,734 | $160,070-38.3% | $147,117-32.9% | $145,897-32.3% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.4pp | 80.3%+4.3pp |
| Annual return | 3.90% | 98.69%-94.8pp | 420.54%-416.6pp | 552.29%-548.4pp |
| Employer contribution / active EE | $2,154 | $5,285-59.2% | $4,932-56.3% | $4,663-53.8% |
| Participant deferral / active EE | $541 | $8,419-93.6% | $8,065-93.3% | $6,689-91.9% |
| Admin fee / account holder | $1,407 | $15,035-90.6% | $12,993-89.2% | $13,390-89.5% |