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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 | $129,737-70.0% | $119,126-67.3% | $154,746-74.8% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | -1.49% | 379.08%-380.6pp | 282.11%-283.6pp | 172.34%-173.8pp |
| Employer contribution / active EE | $22,133 | $4,375+405.9% | $4,034+448.7% | $4,379+405.4% |
| Participant deferral / active EE | $329 | $5,842-94.4% | $5,318-93.8% | $6,730-95.1% |
| Admin fee / account holder | $7,808 | $11,961-34.7% | $10,693-27.0% | $14,365-45.6% |