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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 | $86,535 | $132,099-34.5% | $115,599-25.1% | $138,895-37.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 7.33% | 176.76%-169.4pp | 111.10%-103.8pp | 145.39%-138.1pp |
| Employer contribution / active EE | $1,225 | $3,416-64.1% | $2,955-58.6% | $4,194-70.8% |
| Participant deferral / active EE | $202 | $5,617-96.4% | $4,889-95.9% | $6,396-96.8% |
| Admin fee / account holder | $79,932 | $15,650+410.7% | $12,841+522.5% | $12,562+536.3% |