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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 | $39,060 | $167,533-76.7% | $151,645-74.2% | $134,545-71.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -21.81% | 7.81%-29.6pp | 3.34%-25.2pp | 418.37%-440.2pp |
| Employer contribution / active EE | $8,879 | $6,828+30.0% | $6,165+44.0% | $4,742+87.3% |
| Participant deferral / active EE | $573 | $8,985-93.6% | $8,363-93.2% | $6,401-91.1% |
| Admin fee / account holder | $4,642 | $13,781-66.3% | $11,614-60.0% | $11,431-59.4% |