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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 | $18,140 | $57,352-68.4% | $83,830-78.4% | $64,173-71.7% |
| Participation rate | 88.9% | 68.6%+20.3pp | 76.1%+12.7pp | 69.6%+19.3pp |
| Annual return | -14.93% | 11.38%-26.3pp | 850.97%-865.9pp | 7.63%-22.6pp |
| Employer contribution / active EE | $9,883 | $2,546+288.3% | $3,631+172.2% | $2,381+315.1% |
| Participant deferral / active EE | $376 | $2,993-87.4% | $4,082-90.8% | $3,470-89.2% |
| Admin fee / account holder | $2,092 | $4,046-48.3% | $5,479-61.8% | $4,887-57.2% |