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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 | $45,504 | $47,479-4.2% | $62,929-27.7% | $82,448-44.8% |
| Participation rate | 100.0% | 66.9%+33.1pp | 73.1%+26.9pp | 68.1%+31.9pp |
| Annual return | 10.68% | 20.34%-9.7pp | 1063.93%-1053.2pp | 41.64%-31.0pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $971 | $2,870-66.2% | $3,888-75.0% | $4,139-76.5% |
| Admin fee / account holder | $10,264 | $3,804+169.8% | $5,065+102.7% | $7,234+41.9% |