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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 | $168,505 | $91,537+84.1% | $130,045+29.6% | $75,173+124.2% |
| Participation rate | 83.3% | 71.5%+11.9pp | 78.5%+4.8pp | 67.2%+16.1pp |
| Annual return | 11.19% | -631.55%+642.7pp | -137.30%+148.5pp | 160.72%-149.5pp |
| Employer contribution / active EE | $418 | $2,845-85.3% | $4,321-90.3% | $2,671-84.4% |
| Participant deferral / active EE | $3,031 | $4,343-30.2% | $5,820-47.9% | $4,126-26.5% |
| Admin fee / account holder | $7,694 | $6,780+13.5% | $10,600-27.4% | $5,651+36.2% |