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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 | $63,010 | $58,275+8.1% | $81,844-23.0% | $80,935-22.1% |
| Participation rate | 88.9% | 63.5%+25.4pp | 72.4%+16.5pp | 67.7%+21.2pp |
| Annual return | 9.64% | 41.82%-32.2pp | 778.87%-769.2pp | 35.66%-26.0pp |
| Employer contribution / active EE | $370 | $2,346-84.2% | $2,916-87.3% | $2,757-86.6% |
| Participant deferral / active EE | $0 | $3,285-100.0% | $4,323-100.0% | $4,299-100.0% |
| Admin fee / account holder | $2,034 | $4,749-57.2% | $7,355-72.3% | $6,924-70.6% |