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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 | $51,976 | $48,327+7.5% | $67,575-23.1% | $80,935-35.8% |
| Participation rate | 87.3% | 66.4%+20.9pp | 72.9%+14.4pp | 67.7%+19.7pp |
| Annual return | 15.44% | 18.31%-2.9pp | 3528.98%-3513.5pp | 35.66%-20.2pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $894 | $2,927-69.4% | $4,003-77.7% | $4,299-79.2% |
| Admin fee / account holder | $711 | $3,692-80.7% | $3,993-82.2% | $6,924-89.7% |