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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 | $69,454 | $70,418-1.4% | $96,570-28.1% | $85,847-19.1% |
| Participation rate | 94.6% | 61.8%+32.8pp | 69.8%+24.8pp | 69.3%+25.3pp |
| Annual return | 11.19% | 18.59%-7.4pp | 37.79%-26.6pp | 318.61%-307.4pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $6,471 | $2,894+123.6% | $3,849+68.1% | $3,952+63.7% |
| Admin fee / account holder | $1,781 | $4,995-64.3% | $6,182-71.2% | $6,261-71.6% |