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Employer 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 | $49,382 | $60,349-18.2% | $74,184-33.4% | $62,881-21.5% |
| Participation rate | 77.1% | 72.7%+4.4pp | 76.6%+0.5pp | 69.3%+7.8pp |
| Annual return | 3.12% | 21.38%-18.3pp | 17.74%-14.6pp | 20.14%-17.0pp |
| Employer contribution / active EE | $299 | $1,680-82.2% | $2,370-87.4% | $2,281-86.9% |
| Participant deferral / active EE | $2,628 | $2,856-8.0% | $3,550-26.0% | $3,203-18.0% |
| Admin fee / account holder | $414 | $4,261-90.3% | $5,586-92.6% | $4,296-90.4% |