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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 | $79,820 | $63,861+25.0% | $104,639-23.7% | $79,8560% |
| Participation rate | 96.4% | 64.9%+31.5pp | 74.1%+22.4pp | 69.6%+26.8pp |
| Annual return | 8.44% | 21.30%-12.9pp | 340.67%-332.2pp | 31.71%-23.3pp |
| Employer contribution / active EE | $0 | $1,588-100.0% | $2,682-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,231 | $2,693-54.3% | $3,738-67.1% | $3,741-67.1% |
| Admin fee / account holder | $486 | $4,185-88.4% | $6,465-92.5% | $5,306-90.8% |