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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 | $124,425+7.8% | $112,040+19.7% | $137,256-2.3% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 9.79% | 24.72%-14.9pp | 24.52%-14.7pp | 220.34%-210.6pp |
| Employer contribution / active EE | $536 | $3,411-84.3% | $2,954-81.8% | $4,156-87.1% |
| Participant deferral / active EE | $3,004 | $5,718-47.5% | $5,098-41.1% | $6,407-53.1% |
| Admin fee / account holder | $37,342 | $15,207+145.6% | $12,098+208.7% | $12,270+204.3% |