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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 | $101,091 | $201,372-49.8% | $184,260-45.1% | $145,884-30.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 12.61% | 29.04%-16.4pp | 28.84%-16.2pp | 551.85%-539.2pp |
| Employer contribution / active EE | $1,351 | $7,024-80.8% | $6,427-79.0% | $4,662-71.0% |
| Participant deferral / active EE | $12,117 | $9,808+23.5% | $9,133+32.7% | $6,690+81.1% |
| Admin fee / account holder | $362 | $16,362-97.8% | $13,898-97.4% | $13,392-97.3% |