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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 | $148,655 | $176,120-15.6% | $159,487-6.8% | $167,553-11.3% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 8.22% | 331.95%-323.7pp | 263.71%-255.5pp | 478.89%-470.7pp |
| Employer contribution / active EE | $0 | $5,299-100.0% | $4,831-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $15,229 | $7,752+96.5% | $7,354+107.1% | $6,343+140.1% |
| Admin fee / account holder | $13,748 | $12,561+9.4% | $10,804+27.3% | $12,316+11.6% |