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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 | $206,104 | $152,612+35.1% | $125,192+64.6% | $152,897+34.8% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 1.97% | 54.85%-52.9pp | 43.79%-41.8pp | 345.43%-343.5pp |
| Employer contribution / active EE | $10,000 | $4,947+102.1% | $3,866+158.7% | $4,764+109.9% |
| Participant deferral / active EE | $47 | $5,868-99.2% | $4,937-99.1% | $5,851-99.2% |
| Admin fee / account holder | $37,508 | $13,437+179.1% | $9,704+286.5% | $11,599+223.4% |