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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 | $127,564 | $83,485+52.8% | $125,180+1.9% | $72,983+74.8% |
| Participation rate | 93.5% | 73.3%+20.2pp | 79.8%+13.8pp | 69.5%+24.1pp |
| Annual return | 24.99% | 25.78%-0.8pp | 43.79%-18.8pp | 81.01%-56.0pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,552 | $3,586+82.7% | $4,937+32.7% | $3,608+81.6% |
| Admin fee / account holder | $5,695 | $5,518+3.2% | $9,703-41.3% | $5,124+11.1% |