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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 | $15,679 | $133,998-88.3% | $112,263-86.0% | $134,545-88.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -20.91% | 47.17%-68.1pp | 27.49%-48.4pp | 418.37%-439.3pp |
| Employer contribution / active EE | $15,865 | $4,040+292.7% | $3,636+336.3% | $4,742+234.6% |
| Participant deferral / active EE | $1,021 | $5,292-80.7% | $4,729-78.4% | $6,401-84.0% |
| Admin fee / account holder | $2,208 | $7,493-70.5% | $6,410-65.6% | $11,431-80.7% |