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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 | $41,351 | $131,835-68.6% | $108,582-61.9% | $273,972-84.9% |
| Participation rate | 90.9% | 83.5%+7.5pp | 79.6%+11.3pp | 83.0%+7.9pp |
| Annual return | -0.72% | -91.57%+90.9pp | -51.70%+51.0pp | 41.46%-42.2pp |
| Employer contribution / active EE | $4,511 | $4,913-8.2% | $3,758+20.0% | $4,869-7.4% |
| Participant deferral / active EE | $915 | $5,127-82.2% | $4,311-78.8% | $5,287-82.7% |
| Admin fee / account holder | $3,456 | $10,253-66.3% | $7,645-54.8% | $10,133-65.9% |