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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 | $65,639 | $185,883-64.7% | $170,043-61.4% | $139,466-52.9% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 35.52% | 60.54%-25.0pp | 53.40%-17.9pp | 373.66%-338.1pp |
| Employer contribution / active EE | $1,347 | $7,596-82.3% | $6,790-80.2% | $4,754-71.7% |
| Participant deferral / active EE | $14,600 | $11,626+25.6% | $10,410+40.2% | $6,712+117.5% |
| Admin fee / account holder | $620 | $15,393-96.0% | $12,824-95.2% | $11,409-94.6% |