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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 | $28,358 | $150,412-81.1% | $120,574-76.5% | $145,884-80.6% |
| Participation rate | 84.6% | 78.8%+5.8pp | 71.9%+12.7pp | 80.3%+4.3pp |
| Annual return | 0.59% | 154.50%-153.9pp | 107.42%-106.8pp | 551.85%-551.3pp |
| Employer contribution / active EE | $4,252 | $4,355-2.3% | $3,471+22.5% | $4,662-8.8% |
| Participant deferral / active EE | $1,125 | $6,175-81.8% | $4,996-77.5% | $6,690-83.2% |
| Admin fee / account holder | $389 | $12,224-96.8% | $9,445-95.9% | $13,392-97.1% |