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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 | $55,896 | $197,637-71.7% | $177,848-68.6% | $158,982-64.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 22.19% | 58.77%-36.6pp | 48.33%-26.1pp | 302.99%-280.8pp |
| Employer contribution / active EE | $0 | $6,698-100.0% | $5,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $18,250 | $8,405+117.1% | $7,714+136.6% | $5,983+205.0% |
| Admin fee / account holder | $14,305 | $15,406-7.1% | $12,431+15.1% | $11,252+27.1% |