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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 | $34,546 | $102,382-66.3% | $147,005-76.5% | $80,874-57.3% |
| Participation rate | 89.1% | 75.8%+13.2pp | 82.2%+6.9pp | 67.6%+21.4pp |
| Annual return | 8.69% | 134.89%-126.2pp | 418.76%-410.1pp | 35.62%-26.9pp |
| Employer contribution / active EE | $4,153 | $3,715+11.8% | $4,934-15.8% | $2,756+50.7% |
| Participant deferral / active EE | $1,942 | $6,646-70.8% | $8,070-75.9% | $4,297-54.8% |
| Admin fee / account holder | $690 | $7,942-91.3% | $13,006-94.7% | $6,935-90.1% |