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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 | $44,284 | $167,362-73.5% | $143,799-69.2% | $134,532-67.1% |
| Participation rate | 89.5% | 84.8%+4.7pp | 80.3%+9.2pp | 81.2%+8.2pp |
| Annual return | -22.72% | 0.47%-23.2pp | -0.04%-22.7pp | 418.27%-441.0pp |
| Employer contribution / active EE | $4,138 | $5,620-26.4% | $4,952-16.4% | $4,741-12.7% |
| Participant deferral / active EE | $474 | $6,447-92.7% | $5,638-91.6% | $6,401-92.6% |
| Admin fee / account holder | $719 | $18,094-96.0% | $14,677-95.1% | $11,429-93.7% |