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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 | $120,594 | $157,304-23.3% | $141,197-14.6% | $152,909-21.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 15.60% | 64.34%-48.7pp | 71.41%-55.8pp | 345.46%-329.9pp |
| Employer contribution / active EE | $466 | $5,263-91.2% | $4,736-90.2% | $4,764-90.2% |
| Participant deferral / active EE | $4,527 | $7,111-36.3% | $6,710-32.5% | $5,851-22.6% |
| Admin fee / account holder | $982 | $12,126-91.9% | $10,265-90.4% | $11,601-91.5% |