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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 | $90,075 | $154,193-41.6% | $130,045-30.7% | $139,466-35.4% |
| Participation rate | 95.7% | 82.0%+13.7pp | 78.5%+17.2pp | 80.3%+15.3pp |
| Annual return | -3.18% | 32.51%-35.7pp | -137.30%+134.1pp | 373.66%-376.8pp |
| Employer contribution / active EE | $806 | $5,292-84.8% | $4,321-81.3% | $4,754-83.0% |
| Participant deferral / active EE | $19,661 | $6,709+193.1% | $5,820+237.8% | $6,712+192.9% |
| Admin fee / account holder | $11,479 | $13,989-17.9% | $10,600+8.3% | $11,409+0.6% |