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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 | $134,087 | $126,661+5.9% | $113,397+18.2% | $138,895-3.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 9.79% | 25.05%-15.3pp | 23.20%-13.4pp | 145.39%-135.6pp |
| Employer contribution / active EE | $536 | $3,456-84.5% | $2,977-82.0% | $4,194-87.2% |
| Participant deferral / active EE | $3,004 | $5,693-47.2% | $5,076-40.8% | $6,396-53.0% |
| Admin fee / account holder | $37,342 | $14,549+156.7% | $11,957+212.3% | $12,562+197.3% |