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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 | $17,981 | $133,981-86.6% | $112,249-84.0% | $134,532-86.6% |
| Participation rate | 85.7% | 78.6%+7.2pp | 75.1%+10.7pp | 81.2%+4.5pp |
| Annual return | -21.62% | 47.16%-68.8pp | 27.48%-49.1pp | 418.27%-439.9pp |
| Employer contribution / active EE | $677 | $4,040-83.2% | $3,636-81.4% | $4,741-85.7% |
| Participant deferral / active EE | $5,026 | $5,292-5.0% | $4,729+6.3% | $6,401-21.5% |
| Admin fee / account holder | $389 | $7,492-94.8% | $6,412-93.9% | $11,429-96.6% |