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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 | $99,549 | $181,898-45.3% | $156,552-36.4% | $273,970-63.7% |
| Participation rate | 87.0% | 88.4%-1.4pp | 84.0%+2.9pp | 83.0%+3.9pp |
| Annual return | 16.85% | 30.74%-13.9pp | 32.23%-15.4pp | 41.46%-24.6pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $13,559 | $5,550+144.3% | $4,871+178.4% | $5,287+156.5% |
| Admin fee / account holder | $2,096 | $15,560-86.5% | $13,028-83.9% | $10,132-79.3% |