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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 | $74,203 | $91,559-19.0% | $133,978-44.6% | $79,856-7.1% |
| Participation rate | 71.4% | 73.3%-1.9pp | 79.8%-8.4pp | 69.6%+1.8pp |
| Annual return | 5.92% | 61.85%-55.9pp | 45.10%-39.2pp | 31.71%-25.8pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,857 | $3,734+30.1% | $5,047-3.8% | $3,741+29.8% |
| Admin fee / account holder | $756 | $6,321-88.0% | $8,930-91.5% | $5,306-85.7% |