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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 | $37,948 | $183,516-79.3% | $155,534-75.6% | $145,884-74.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.87% | 61.43%-49.6pp | 64.92%-53.0pp | 551.85%-540.0pp |
| Employer contribution / active EE | $936 | $5,315-82.4% | $4,675-80.0% | $4,662-79.9% |
| Participant deferral / active EE | $3,864 | $6,467-40.2% | $5,630-31.4% | $6,690-42.2% |
| Admin fee / account holder | $788 | $19,293-95.9% | $15,900-95.0% | $13,392-94.1% |