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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 | $157,229 | $105,158+49.5% | $94,672+66.1% | $139,487+12.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 11.58% | 38.11%-26.5pp | 156.89%-145.3pp | 373.84%-362.3pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $17,467 | $7,599+129.9% | $7,417+135.5% | $6,713+160.2% |
| Admin fee / account holder | $2,235 | $8,972-75.1% | $7,222-69.1% | $11,407-80.4% |