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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 | $99,743 | $124,346-19.8% | $111,306-10.4% | $167,553-40.5% |
| Participation rate | 83.3% | 79.6%+3.7pp | 77.3%+6.0pp | 82.1%+1.2pp |
| Annual return | 7.55% | 37.46%-29.9pp | 54.67%-47.1pp | 478.89%-471.3pp |
| Employer contribution / active EE | $0 | $3,438-100.0% | $2,732-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $4,867 | $5,182-6.1% | $4,488+8.4% | $6,343-23.3% |
| Admin fee / account holder | $49,391 | $10,623+364.9% | $7,966+520.0% | $12,316+301.0% |