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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 | $58,064 | $85,171-31.8% | $172,752-66.4% | $72,975-20.4% |
| Participation rate | 70.2% | 70.1%+0.1pp | 82.6%-12.5pp | 69.5%+0.7pp |
| Annual return | 23.26% | 27.32%-4.1pp | 802.97%-779.7pp | 81.01%-57.8pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,520 | $3,260+8.0% | $5,198-32.3% | $3,608-2.4% |
| Admin fee / account holder | $813 | $5,880-86.2% | $13,955-94.2% | $5,124-84.1% |