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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 | $97,896 | $150,346-34.9% | $120,524-18.8% | $145,877-32.9% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 3.45% | 154.40%-151.0pp | 107.36%-103.9pp | 551.28%-547.8pp |
| Employer contribution / active EE | $910 | $4,353-79.1% | $3,469-73.8% | $4,663-80.5% |
| Participant deferral / active EE | $926 | $6,172-85.0% | $4,994-81.5% | $6,691-86.2% |
| Admin fee / account holder | $1,101 | $12,215-91.0% | $9,440-88.3% | $13,402-91.8% |