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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 | $58,204 | $98,760-41.1% | $149,715-61.1% | $79,858-27.1% |
| Participation rate | 71.9% | 75.8%-3.9pp | 82.5%-10.6pp | 69.6%+2.2pp |
| Annual return | 9.48% | 27.43%-17.9pp | 276.66%-267.2pp | 31.72%-22.2pp |
| Employer contribution / active EE | $560 | $3,217-82.6% | $4,645-88.0% | $2,471-77.4% |
| Participant deferral / active EE | $3,331 | $5,681-41.4% | $6,842-51.3% | $3,740-10.9% |
| Admin fee / account holder | $1,348 | $6,053-77.7% | $9,310-85.5% | $5,306-74.6% |