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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 | $41,387 | $175,231-76.4% | $149,696-72.4% | $139,466-70.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 4.01% | 166.77%-162.8pp | 134.46%-130.4pp | 373.66%-369.7pp |
| Employer contribution / active EE | $4,010 | $5,478-26.8% | $4,821-16.8% | $4,754-15.6% |
| Participant deferral / active EE | $1,522 | $6,521-76.7% | $5,682-73.2% | $6,712-77.3% |
| Admin fee / account holder | $627 | $16,155-96.1% | $13,212-95.3% | $11,409-94.5% |