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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 | $150,597 | $209,428-28.1% | $178,498-15.6% | $158,950-5.3% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 12.29% | 188.78%-176.5pp | 151.09%-138.8pp | 302.91%-290.6pp |
| Employer contribution / active EE | $1,122 | $5,707-80.3% | $5,011-77.6% | $4,762-76.4% |
| Participant deferral / active EE | $2,366 | $5,955-60.3% | $5,202-54.5% | $5,983-60.4% |
| Admin fee / account holder | $5,132 | $17,077-69.9% | $13,985-63.3% | $11,248-54.4% |