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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 | $24,728 | $172,758-85.7% | $149,600-83.5% | $138,895-82.2% |
| Participation rate | 78.3% | 80.2%-1.9pp | 77.2%+1.1pp | 79.9%-1.7pp |
| Annual return | 8.43% | 181.17%-172.7pp | 129.59%-121.2pp | 145.39%-137.0pp |
| Employer contribution / active EE | $0 | $4,778-100.0% | $4,193-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $7,406 | $8,180-9.5% | $7,203+2.8% | $6,396+15.8% |
| Admin fee / account holder | $2,243 | $17,615-87.3% | $13,963-83.9% | $12,562-82.1% |