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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 | $85,759 | $211,224-59.4% | $178,505-52.0% | $145,897-41.2% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 20.66% | 30.28%-9.6pp | 27.16%-6.5pp | 552.29%-531.6pp |
| Employer contribution / active EE | $388 | $4,577-91.5% | $3,955-90.2% | $4,663-91.7% |
| Participant deferral / active EE | $15,831 | $6,966+127.3% | $6,280+152.1% | $6,689+136.7% |
| Admin fee / account holder | $643 | $12,109-94.7% | $10,428-93.8% | $13,390-95.2% |