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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 | $128,682 | $168,635-23.7% | $147,617-12.8% | $125,389+2.6% |
| Participation rate | 87.5% | 88.8%-1.3pp | 84.6%+2.9pp | 83.2%+4.3pp |
| Annual return | 0.12% | 77.65%-77.5pp | 61.98%-61.9pp | 282.24%-282.1pp |
| Employer contribution / active EE | $601 | $6,252-90.4% | $5,564-89.2% | $4,866-87.7% |
| Participant deferral / active EE | $5,625 | $5,507+2.1% | $4,895+14.9% | $5,352+5.1% |
| Admin fee / account holder | $368 | $13,580-97.3% | $11,612-96.8% | $9,541-96.1% |