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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 | $19,070 | $138,078-86.2% | $125,363-84.8% | $134,509-85.8% |
| Participation rate | 71.4% | 84.5%-13.1pp | 82.4%-10.9pp | 81.2%-9.8pp |
| Annual return | -23.78% | 750.49%-774.3pp | 572.15%-595.9pp | 418.13%-441.9pp |
| Employer contribution / active EE | $2,436 | $5,245-53.6% | $4,815-49.4% | $4,741-48.6% |
| Participant deferral / active EE | $2,436 | $7,800-68.8% | $7,447-67.3% | $6,400-61.9% |
| Admin fee / account holder | $503 | $11,566-95.6% | $10,005-95.0% | $11,427-95.6% |