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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 | $81,264 | $118,467-31.4% | $98,450-17.5% | $139,456-41.7% |
| Participation rate | 83.3% | 77.5%+5.9pp | 75.2%+8.2pp | 80.3%+3.0pp |
| Annual return | 5.16% | 18.95%-13.8pp | 21.16%-16.0pp | 373.45%-368.3pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $15,902 | $5,393+194.8% | $4,739+235.6% | $6,711+136.9% |
| Admin fee / account holder | $5,475 | $14,057-61.1% | $8,961-38.9% | $11,407-52.0% |