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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 | $29,055 | $176,077-83.5% | $159,455-81.8% | $167,518-82.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 4.58% | 331.83%-327.3pp | 263.63%-259.0pp | 478.71%-474.1pp |
| Employer contribution / active EE | $1,776 | $5,298-66.5% | $4,830-63.2% | $4,838-63.3% |
| Participant deferral / active EE | $2,452 | $7,751-68.4% | $7,353-66.7% | $6,342-61.3% |
| Admin fee / account holder | $87,602 | $12,556+597.7% | $10,800+711.1% | $12,312+611.5% |