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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 | $35,024 | $49,976-29.9% | $66,674-47.5% | $82,637-57.6% |
| Participation rate | 93.8% | 63.1%+30.7pp | 73.7%+20.1pp | 68.1%+25.7pp |
| Annual return | 18.77% | 39.09%-20.3pp | 321.24%-302.5pp | 53.51%-34.7pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,896 | $2,847+107.1% | $4,084+44.4% | $4,126+42.9% |
| Admin fee / account holder | $1,401 | $4,594-69.5% | $5,098-72.5% | $7,339-80.9% |