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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 | $21,164 | $68,398-69.1% | $94,664-77.6% | $75,173-71.8% |
| Participation rate | 96.4% | 76.1%+20.3pp | 80.8%+15.6pp | 67.2%+29.2pp |
| Annual return | 30.52% | 616.72%-586.2pp | 156.84%-126.3pp | 160.72%-130.2pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $8,527 | $6,537+30.5% | $7,417+15.0% | $4,126+106.7% |
| Admin fee / account holder | $1,645 | $5,324-69.1% | $7,222-77.2% | $5,651-70.9% |