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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 | $86,937 | $155,833-44.2% | $124,693-30.3% | $167,536-48.1% |
| Participation rate | 100.0% | 81.1%+18.9pp | 74.6%+25.4pp | 82.1%+17.9pp |
| Annual return | 6.92% | 17.98%-11.1pp | 5144.19%-5137.3pp | 478.82%-471.9pp |
| Employer contribution / active EE | $1,114 | $4,164-73.2% | $3,324-66.5% | $4,839-77.0% |
| Participant deferral / active EE | $1,129 | $5,675-80.1% | $4,615-75.5% | $6,342-82.2% |
| Admin fee / account holder | $750 | $9,534-92.1% | $7,494-90.0% | $12,315-93.9% |