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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 | $68,846 | $100,970-31.8% | $96,576-28.7% | $137,256-49.8% |
| Participation rate | 94.1% | 82.6%+11.5pp | 81.4%+12.7pp | 80.0%+14.2pp |
| Annual return | 19.27% | 38.16%-18.9pp | 38.47%-19.2pp | 220.34%-201.1pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $15,349 | $8,286+85.2% | $7,956+92.9% | $6,407+139.6% |
| Admin fee / account holder | $8,634 | $11,312-23.7% | $11,381-24.1% | $12,270-29.6% |