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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 | $30,011 | $29,051+3.3% | $52,425-42.8% | $67,986-55.9% |
| Participation rate | 90.1% | 30.4%+59.7pp | 55.6%+34.5pp | 57.2%+32.9pp |
| Annual return | 15.02% | 24.00%-9.0pp | 302.12%-287.1pp | 31.67%-16.6pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,830 | $873+109.6% | $1,790+2.2% | $3,358-45.5% |
| Admin fee / account holder | $1,933 | $2,113-8.5% | $2,495-22.5% | $3,203-39.7% |