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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 | $32,906 | $42,546-22.7% | $71,796-54.2% | $55,167-40.4% |
| Participation rate | 83.8% | 59.1%+24.6pp | 69.1%+14.6pp | 69.0%+14.8pp |
| Annual return | 4.72% | 12.36%-7.6pp | 78.04%-73.3pp | 169.23%-164.5pp |
| Employer contribution / active EE | $144 | $803-82.1% | $1,924-92.5% | $1,963-92.7% |
| Participant deferral / active EE | $1,769 | $2,064-14.3% | $2,794-36.7% | $3,054-42.1% |
| Admin fee / account holder | $2,023 | $650+211.4% | $4,815-58.0% | $504+301.4% |