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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 | $59,597 | $166,020-64.1% | $164,866-63.9% | $145,959-59.2% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.6%-3.6pp | 80.3%-5.3pp |
| Annual return | 11.87% | 100.08%-88.2pp | 69.97%-58.1pp | 561.95%-550.1pp |
| Employer contribution / active EE | $0 | $5,275-100.0% | $4,343-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $4,092 | $6,961-41.2% | $6,033-32.2% | $6,689-38.8% |
| Admin fee / account holder | $7,007 | $16,644-57.9% | $12,689-44.8% | $13,398-47.7% |