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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 | $34,750 | $124,346-72.1% | $111,308-68.8% | $167,536-79.3% |
| Participation rate | 88.9% | 79.6%+9.3pp | 77.3%+11.6pp | 82.1%+6.8pp |
| Annual return | 19.26% | 37.45%-18.2pp | 54.67%-35.4pp | 478.82%-459.6pp |
| Employer contribution / active EE | $0 | $3,437-100.0% | $2,732-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $9,081 | $5,182+75.3% | $4,487+102.4% | $6,342+43.2% |
| Admin fee / account holder | $4,080 | $10,621-61.6% | $7,965-48.8% | $12,315-66.9% |