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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 | $47,924 | $95,453-49.8% | $112,040-57.2% | $82,448-41.9% |
| Participation rate | 75.5% | 72.8%+2.7pp | 76.5%-1.0pp | 68.1%+7.4pp |
| Annual return | 27.50% | 23.92%+3.6pp | 24.52%+3.0pp | 41.64%-14.1pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,475 | $4,224+53.3% | $5,098+27.0% | $4,139+56.4% |
| Admin fee / account holder | $1,569 | $9,013-82.6% | $12,098-87.0% | $7,234-78.3% |