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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 | $182,622 | $178,174+2.5% | $156,181+16.9% | $137,256+33.1% |
| Participation rate | 71.4% | 82.0%-10.6pp | 78.8%-7.4pp | 80.0%-8.5pp |
| Annual return | 14.38% | 84.19%-69.8pp | 64.87%-50.5pp | 220.34%-206.0pp |
| Employer contribution / active EE | $720 | $4,972-85.5% | $4,294-83.2% | $4,156-82.7% |
| Participant deferral / active EE | $5,588 | $6,888-18.9% | $6,132-8.9% | $6,407-12.8% |
| Admin fee / account holder | $1,330 | $17,404-92.4% | $14,586-90.9% | $12,270-89.2% |