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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 | $41,376 | $226,105-81.7% | $182,540-77.3% | $152,897-72.9% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.0%+5.4pp | 82.5%+0.9pp |
| Annual return | 24.35% | 192.58%-168.2pp | 148.58%-124.2pp | 345.43%-321.1pp |
| Employer contribution / active EE | $216 | $4,978-95.7% | $4,076-94.7% | $4,764-95.5% |
| Participant deferral / active EE | $7,660 | $6,370+20.3% | $5,525+38.6% | $5,851+30.9% |
| Admin fee / account holder | $975 | $10,706-90.9% | $8,593-88.7% | $11,599-91.6% |