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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 | $39,559 | $138,102-71.4% | $125,381-68.4% | $134,532-70.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -28.78% | 750.73%-779.5pp | 572.31%-601.1pp | 418.27%-447.0pp |
| Employer contribution / active EE | $21,242 | $5,245+305.0% | $4,815+341.1% | $4,741+348.0% |
| Participant deferral / active EE | $924 | $7,801-88.2% | $7,448-87.6% | $6,401-85.6% |
| Admin fee / account holder | $783 | $11,568-93.2% | $10,007-92.2% | $11,429-93.1% |