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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 | $81,262+94.9% | $155,602+1.8% | $80,911+95.8% |
| Participation rate | 96.2% | 66.2%+29.9pp | 78.2%+17.9pp | 67.6%+28.5pp |
| Annual return | 5.79% | 33.34%-27.6pp | 64.81%-59.0pp | 35.63%-29.8pp |
| Employer contribution / active EE | $125 | $3,102-96.0% | $4,675-97.3% | $2,756-95.5% |
| Participant deferral / active EE | $2,554 | $3,451-26.0% | $5,629-54.6% | $4,297-40.6% |
| Admin fee / account holder | $985 | $7,992-87.7% | $15,923-93.8% | $6,935-85.8% |