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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 | $22,395 | $58,275-61.6% | $81,844-72.6% | $80,935-72.3% |
| Participation rate | 78.1% | 63.5%+14.7pp | 72.4%+5.7pp | 67.7%+10.5pp |
| Annual return | 6.99% | 41.82%-34.8pp | 778.87%-771.9pp | 35.66%-28.7pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,658 | $3,285+11.3% | $4,323-15.4% | $4,299-14.9% |
| Admin fee / account holder | $18,614 | $4,749+292.0% | $7,355+153.1% | $6,924+168.8% |