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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 | $71,764 | $167,352-57.1% | $143,788-50.1% | $134,509-46.6% |
| Participation rate | 70.0% | 84.8%-14.8pp | 80.3%-10.3pp | 81.2%-11.2pp |
| Annual return | -21.16% | 0.47%-21.6pp | -0.03%-21.1pp | 418.13%-439.3pp |
| Employer contribution / active EE | $14,970 | $5,620+166.4% | $4,952+202.3% | $4,741+215.8% |
| Participant deferral / active EE | $1,095 | $6,447-83.0% | $5,638-80.6% | $6,400-82.9% |
| Admin fee / account holder | $496 | $18,091-97.3% | $14,675-96.6% | $11,427-95.7% |