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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 | $172,898 | $106,008+63.1% | $92,240+87.4% | $147,586+17.2% |
| Participation rate | 87.5% | 80.4%+7.1pp | 76.5%+11.0pp | 82.8%+4.7pp |
| Annual return | 15.00% | 50.05%-35.1pp | 176.29%-161.3pp | 578.59%-563.6pp |
| Employer contribution / active EE | $0 | $4,333-100.0% | $3,680-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $6,568 | $4,478+46.7% | $3,897+68.5% | $5,439+20.8% |
| Admin fee / account holder | $1,313 | $6,333-79.3% | $5,194-74.7% | $10,886-87.9% |