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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 | $44,633 | $109,904-59.4% | $97,167-54.1% | $145,959-69.4% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 6.52% | 243.43%-236.9pp | 75.27%-68.7pp | 561.95%-555.4pp |
| Employer contribution / active EE | $3,983 | $3,084+29.1% | $2,729+46.0% | $4,661-14.5% |
| Participant deferral / active EE | $360 | $4,676-92.3% | $4,264-91.6% | $6,689-94.6% |
| Admin fee / account holder | $25,258 | $6,216+306.3% | $5,650+347.0% | $13,398+88.5% |