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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 | $13,789 | $101,618-86.4% | $93,063-85.2% | $137,256-90.0% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 18.49% | 223.95%-205.5pp | 34.15%-15.7pp | 220.34%-201.8pp |
| Employer contribution / active EE | $0 | $2,707-100.0% | $2,476-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $6,345 | $4,279+48.3% | $3,958+60.3% | $6,407-1.0% |
| Admin fee / account holder | $1,191 | $6,198-80.8% | $6,033-80.3% | $12,270-90.3% |