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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 | $39,433 | $57,352-31.2% | $83,831-53.0% | $64,173-38.6% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -9.69% | 11.38%-21.1pp | 850.99%-860.7pp | 7.63%-17.3pp |
| Employer contribution / active EE | $16,643 | $2,546+553.8% | $3,631+358.4% | $2,381+599.1% |
| Participant deferral / active EE | $90 | $2,993-97.0% | $4,082-97.8% | $3,470-97.4% |
| Admin fee / account holder | $8,429 | $4,046+108.3% | $5,479+53.9% | $4,887+72.5% |