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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 | $9,491 | $101,618-90.7% | $93,063-89.8% | $137,256-93.1% |
| Participation rate | 86.7% | 74.9%+11.7pp | 72.1%+14.6pp | 80.0%+6.7pp |
| Annual return | -3.49% | 223.95%-227.4pp | 34.15%-37.6pp | 220.34%-223.8pp |
| Employer contribution / active EE | $246 | $2,707-90.9% | $2,476-90.1% | $4,156-94.1% |
| Participant deferral / active EE | $4,078 | $4,279-4.7% | $3,958+3.0% | $6,407-36.4% |
| Admin fee / account holder | $1,667 | $6,198-73.1% | $6,033-72.4% | $12,270-86.4% |