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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 | $77,017 | $94,031-18.1% | $115,768-33.5% | $82,448-6.6% |
| Participation rate | 81.6% | 70.4%+11.2pp | 74.4%+7.2pp | 68.1%+13.5pp |
| Annual return | 14.81% | 20.61%-5.8pp | 100.46%-85.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $498 | $2,323-78.6% | $2,940-83.1% | $2,551-80.5% |
| Participant deferral / active EE | $4,174 | $3,972+5.1% | $4,917-15.1% | $4,139+0.8% |
| Admin fee / account holder | $3,646 | $10,249-64.4% | $12,439-70.7% | $7,234-49.6% |