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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 | $100,361 | $140,592-28.6% | $123,105-18.5% | $125,389-20.0% |
| Participation rate | 80.0% | 88.2%-8.2pp | 86.8%-6.8pp | 83.2%-3.2pp |
| Annual return | 6.17% | 16.80%-10.6pp | 13.22%-7.0pp | 282.24%-276.1pp |
| Employer contribution / active EE | $1,160 | $6,041-80.8% | $5,151-77.5% | $4,866-76.2% |
| Participant deferral / active EE | $4,538 | $6,980-35.0% | $6,229-27.1% | $5,352-15.2% |
| Admin fee / account holder | $4,891 | $11,198-56.3% | $9,014-45.7% | $9,541-48.7% |