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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 | $143,421 | $78,520+82.7% | $96,576+48.5% | $82,448+74.0% |
| Participation rate | 100.0% | 77.7%+22.3pp | 81.4%+18.6pp | 68.1%+31.9pp |
| Annual return | 14.74% | 41.30%-26.6pp | 38.47%-23.7pp | 41.64%-26.9pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,016 | $6,754+3.9% | $7,956-11.8% | $4,139+69.5% |
| Admin fee / account holder | $18,425 | $13,455+36.9% | $11,381+61.9% | $7,234+154.7% |