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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 | $101,349 | $67,411+50.3% | $91,004+11.4% | $70,126+44.5% |
| Participation rate | 97.6% | 71.4%+26.2pp | 75.6%+22.0pp | 69.5%+28.0pp |
| Annual return | 11.99% | -40.16%+52.1pp | 4.60%+7.4pp | 73.15%-61.2pp |
| Employer contribution / active EE | $163 | $1,786-90.9% | $2,456-93.4% | $2,343-93.1% |
| Participant deferral / active EE | $1,296 | $2,823-54.1% | $3,548-63.5% | $3,332-61.1% |
| Admin fee / account holder | $3,964 | $4,236-6.4% | $5,417-26.8% | $4,645-14.7% |