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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 | $114,119-65.9% | $107,187-63.7% | $138,895-72.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | -1.49% | 273.21%-274.7pp | 204.55%-206.0pp | 145.39%-146.9pp |
| Employer contribution / active EE | $22,133 | $4,059+445.3% | $3,782+485.2% | $4,194+427.7% |
| Participant deferral / active EE | $329 | $5,538-94.1% | $5,096-93.5% | $6,396-94.8% |
| Admin fee / account holder | $7,808 | $10,024-22.1% | $9,162-14.8% | $12,562-37.8% |