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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 | $103,110 | $117,829-12.5% | $102,423+0.7% | $145,877-29.3% |
| Participation rate | 91.7% | 78.6%+13.1pp | 76.5%+15.2pp | 80.3%+11.4pp |
| Annual return | 19.19% | 31.83%-12.6pp | 29.42%-10.2pp | 551.28%-532.1pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $6,378 | $5,732+11.3% | $5,054+26.2% | $6,691-4.7% |
| Admin fee / account holder | $4,792 | $13,335-64.1% | $9,455-49.3% | $13,402-64.2% |