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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 | $23,370 | $55,449-57.9% | $83,830-72.1% | $56,287-58.5% |
| Participation rate | 93.0% | 68.0%+25.0pp | 76.1%+16.9pp | 69.9%+23.1pp |
| Annual return | -9.39% | -1.38%-8.0pp | 850.97%-860.4pp | -9.96%+0.6pp |
| Employer contribution / active EE | $7,750 | $2,430+218.9% | $3,631+113.4% | $2,111+267.1% |
| Participant deferral / active EE | $607 | $2,935-79.3% | $4,082-85.1% | $3,350-81.9% |
| Admin fee / account holder | $1,517 | $656+131.2% | $5,479-72.3% | $521+191.1% |