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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 | $38,932 | $171,492-77.3% | $150,734-74.2% | $198,609-80.4% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | -1.49% | 804.70%-806.2pp | 600.81%-602.3pp | 202.70%-204.2pp |
| Employer contribution / active EE | $22,133 | $5,470+304.6% | $4,918+350.0% | $5,055+337.8% |
| Participant deferral / active EE | $329 | $6,259-94.7% | $5,610-94.1% | $6,977-95.3% |
| Admin fee / account holder | $7,808 | $17,628-55.7% | $14,905-47.6% | $19,030-59.0% |