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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 | $110,531 | $102,382+8.0% | $147,005-24.8% | $80,874+36.7% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.2%+13.8pp | 67.6%+28.4pp |
| Annual return | 12.55% | 134.89%-122.3pp | 418.76%-406.2pp | 35.62%-23.1pp |
| Employer contribution / active EE | $400 | $3,715-89.2% | $4,934-91.9% | $2,756-85.5% |
| Participant deferral / active EE | $6,290 | $6,646-5.4% | $8,070-22.1% | $4,297+46.4% |
| Admin fee / account holder | $16,075 | $7,942+102.4% | $13,006+23.6% | $6,935+131.8% |