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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 | $65,457 | $91,537-28.5% | $130,045-49.7% | $75,173-12.9% |
| Participation rate | 80.0% | 71.5%+8.5pp | 78.5%+1.5pp | 67.2%+12.8pp |
| Annual return | 12.89% | -631.55%+644.4pp | -137.30%+150.2pp | 160.72%-147.8pp |
| Employer contribution / active EE | $317 | $2,845-88.8% | $4,321-92.7% | $2,671-88.1% |
| Participant deferral / active EE | $4,035 | $4,343-7.1% | $5,820-30.7% | $4,126-2.2% |
| Admin fee / account holder | $1,840 | $6,780-72.9% | $10,600-82.6% | $5,651-67.4% |