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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 | $97,641 | $175,259-44.3% | $149,723-34.8% | $139,487-30.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 5.29% | 166.82%-161.5pp | 134.50%-129.2pp | 373.84%-368.6pp |
| Employer contribution / active EE | $786 | $5,478-85.6% | $4,821-83.7% | $4,755-83.5% |
| Participant deferral / active EE | $2,607 | $6,522-60.0% | $5,682-54.1% | $6,713-61.2% |
| Admin fee / account holder | $346 | $16,158-97.9% | $13,215-97.4% | $11,407-97.0% |