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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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,831 | $142,354-27.1% | $125,529-17.3% | $155,188-33.1% |
| Participation rate | 94.1% | 78.1%+16.0pp | 74.7%+19.4pp | 80.8%+13.3pp |
| Annual return | 13.82% | 306.06%-292.2pp | 202.56%-188.7pp | 148.84%-135.0pp |
| Employer contribution / active EE | $598 | $3,501-82.9% | $3,058-80.5% | $4,248-85.9% |
| Participant deferral / active EE | $5,887 | $5,491+7.2% | $4,813+22.3% | $6,531-9.9% |
| Admin fee / account holder | $3,129 | $19,392-83.9% | $16,298-80.8% | $14,480-78.4% |