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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 | $118,496-31.4% | $98,461-17.5% | $139,466-41.7% |
| Participation rate | 83.3% | 77.5%+5.9pp | 75.2%+8.2pp | 80.3%+3.0pp |
| Annual return | 5.16% | 18.96%-13.8pp | 21.17%-16.0pp | 373.66%-368.5pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $15,902 | $5,393+194.9% | $4,738+235.6% | $6,712+136.9% |
| Admin fee / account holder | $5,475 | $14,056-61.0% | $8,961-38.9% | $11,409-52.0% |