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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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,869 | $105,623-77.4% | $87,502-72.7% | $273,972-91.3% |
| Participation rate | 76.2% | 78.2%-2.0pp | 73.8%+2.4pp | 83.0%-6.8pp |
| Annual return | 3.79% | 12.26%-8.5pp | 12.21%-8.4pp | 41.46%-37.7pp |
| Employer contribution / active EE | $3 | $3,141-99.9% | $2,550-99.9% | $4,869-99.9% |
| Participant deferral / active EE | $911 | $3,601-74.7% | $3,149-71.1% | $5,287-82.8% |
| Admin fee / account holder | $1,640 | $4,781-65.7% | $4,221-61.1% | $10,133-83.8% |