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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 | $81,130 | $124,314-34.7% | $109,163-25.7% | $167,518-51.6% |
| Participation rate | 95.2% | 79.4%+15.8pp | 75.9%+19.4pp | 82.1%+13.1pp |
| Annual return | 16.45% | 26.04%-9.6pp | 25.75%-9.3pp | 478.71%-462.3pp |
| Employer contribution / active EE | $679 | $4,209-83.9% | $3,723-81.8% | $4,838-86.0% |
| Participant deferral / active EE | $3,582 | $5,256-31.9% | $4,654-23.0% | $6,342-43.5% |
| Admin fee / account holder | $1,401 | $7,973-82.4% | $6,754-79.3% | $12,312-88.6% |