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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 | $80,006 | $142,354-43.8% | $125,529-36.3% | $155,188-48.4% |
| Participation rate | 80.0% | 78.1%+1.9pp | 74.7%+5.3pp | 80.8%-0.8pp |
| Annual return | 18.72% | 306.06%-287.3pp | 202.56%-183.8pp | 148.84%-130.1pp |
| Employer contribution / active EE | $0 | $3,501-100.0% | $3,058-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,947 | $5,491-64.5% | $4,813-59.6% | $6,531-70.2% |
| Admin fee / account holder | $1,303 | $19,392-93.3% | $16,298-92.0% | $14,480-91.0% |