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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 | $140,700 | $183,516-23.3% | $155,534-9.5% | $145,884-3.6% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 15.75% | 61.43%-45.7pp | 64.92%-49.2pp | 551.85%-536.1pp |
| Employer contribution / active EE | $674 | $5,315-87.3% | $4,675-85.6% | $4,662-85.5% |
| Participant deferral / active EE | $10,332 | $6,467+59.8% | $5,630+83.5% | $6,690+54.5% |
| Admin fee / account holder | $6,055 | $19,293-68.6% | $15,900-61.9% | $13,392-54.8% |