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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 | $44,223 | $124,980-64.6% | $108,359-59.2% | $154,746-71.4% |
| Participation rate | 90.9% | 75.2%+15.7pp | 70.1%+20.8pp | 80.7%+10.2pp |
| Annual return | 13.95% | 45.00%-31.0pp | 36.89%-22.9pp | 172.34%-158.4pp |
| Employer contribution / active EE | $511 | $2,851-82.1% | $2,399-78.7% | $4,379-88.3% |
| Participant deferral / active EE | $2,116 | $4,743-55.4% | $4,137-48.8% | $6,730-68.6% |
| Admin fee / account holder | $556 | $11,502-95.2% | $9,741-94.3% | $14,365-96.1% |