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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 | $158,395 | $81,358+94.7% | $155,556+1.8% | $80,959+95.6% |
| Participation rate | 96.2% | 66.3%+29.9pp | 78.2%+17.9pp | 67.7%+28.5pp |
| Annual return | 5.79% | 33.39%-27.6pp | 64.84%-59.1pp | 35.67%-29.9pp |
| Employer contribution / active EE | $125 | $3,106-96.0% | $4,675-97.3% | $2,757-95.5% |
| Participant deferral / active EE | $2,554 | $3,455-26.1% | $5,631-54.6% | $4,300-40.6% |
| Admin fee / account holder | $985 | $7,994-87.7% | $15,885-93.8% | $6,925-85.8% |