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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 | $83,705 | $254,759-67.1% | $216,567-61.3% | $198,609-57.9% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 7.04% | 10.04%-3.0pp | 12.94%-5.9pp | 202.70%-195.7pp |
| Employer contribution / active EE | $411 | $6,096-93.3% | $5,216-92.1% | $5,055-91.9% |
| Participant deferral / active EE | $2,700 | $6,948-61.1% | $6,191-56.4% | $6,977-61.3% |
| Admin fee / account holder | $30,335 | $26,311+15.3% | $21,981+38.0% | $19,030+59.4% |