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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 | $13,406 | $51,638-74.0% | $68,368-80.4% | $82,448-83.7% |
| Participation rate | 75.9% | 63.6%+12.3pp | 73.8%+2.1pp | 68.1%+7.8pp |
| Annual return | 15.69% | 37.53%-21.8pp | 292.57%-276.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,444 | $2,914+86.9% | $4,123+32.1% | $4,139+31.5% |
| Admin fee / account holder | $1,444 | $4,643-68.9% | $5,150-72.0% | $7,234-80.0% |