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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 | $56,672 | $114,130-50.3% | $96,192-41.1% | $167,553-66.2% |
| Participation rate | 94.7% | 75.1%+19.7pp | 68.4%+26.3pp | 82.1%+12.6pp |
| Annual return | 15.91% | 190.07%-174.2pp | 192.09%-176.2pp | 478.89%-463.0pp |
| Employer contribution / active EE | $0 | $3,431-100.0% | $2,799-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $4,849 | $5,198-6.7% | $4,351+11.4% | $6,343-23.6% |
| Admin fee / account holder | $679 | $6,901-90.2% | $5,539-87.7% | $12,316-94.5% |