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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 | $9,798 | $87,166-88.8% | $76,735-87.2% | $137,256-92.9% |
| Participation rate | 70.8% | 74.4%-3.5pp | 69.5%+1.3pp | 80.0%-9.1pp |
| Annual return | -3.61% | 26.50%-30.1pp | 29.77%-33.4pp | 220.34%-224.0pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $2,454-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $3,710 | $4,726-21.5% | $4,088-9.3% | $6,407-42.1% |
| Admin fee / account holder | $1,483 | $8,403-82.3% | $7,189-79.4% | $12,270-87.9% |