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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 | $35,810 | $111,878-68.0% | $93,727-61.8% | $145,897-75.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 2.21% | 204.28%-202.1pp | 133.83%-131.6pp | 552.29%-550.1pp |
| Employer contribution / active EE | $15,788 | $3,092+410.6% | $2,421+552.0% | $4,663+238.6% |
| Participant deferral / active EE | $995 | $4,920-79.8% | $4,417-77.5% | $6,689-85.1% |
| Admin fee / account holder | $1,632 | $10,256-84.1% | $8,292-80.3% | $13,390-87.8% |