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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 | $67,026 | $168,635-60.3% | $147,617-54.6% | $125,389-46.5% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -5.02% | 77.65%-82.7pp | 61.98%-67.0pp | 282.24%-287.3pp |
| Employer contribution / active EE | $3,079 | $6,252-50.8% | $5,564-44.7% | $4,866-36.7% |
| Participant deferral / active EE | $1,495 | $5,507-72.9% | $4,895-69.5% | $5,352-72.1% |
| Admin fee / account holder | $976 | $13,580-92.8% | $11,612-91.6% | $9,541-89.8% |