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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 | $103,074 | $201,264-48.8% | $184,185-44.0% | $145,978-29.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 7.38% | 29.00%-21.6pp | 28.81%-21.4pp | 550.52%-543.1pp |
| Employer contribution / active EE | $406 | $7,021-94.2% | $6,426-93.7% | $4,662-91.3% |
| Participant deferral / active EE | $12,417 | $9,806+26.6% | $9,132+36.0% | $6,690+85.6% |
| Admin fee / account holder | $4,485 | $16,376-72.6% | $13,909-67.8% | $13,400-66.5% |