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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 | $108,110 | $89,259+21.1% | $107,187+0.9% | $82,637+30.8% |
| Participation rate | 88.9% | 67.9%+21.0pp | 75.0%+13.9pp | 68.1%+20.8pp |
| Annual return | 12.55% | 21.02%-8.5pp | 204.55%-192.0pp | 53.51%-41.0pp |
| Employer contribution / active EE | $657 | $3,080-78.7% | $3,782-82.6% | $2,552-74.3% |
| Participant deferral / active EE | $6,356 | $4,037+57.4% | $5,096+24.7% | $4,126+54.0% |
| Admin fee / account holder | $15,827 | $7,381+114.4% | $9,162+72.7% | $7,339+115.7% |