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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 | $52,419 | $156,398-66.5% | $147,318-64.4% | $138,895-62.3% |
| Participation rate | 91.3% | 83.8%+7.5pp | 82.1%+9.2pp | 79.9%+11.4pp |
| Annual return | 39.12% | 78.75%-39.6pp | 70.43%-31.3pp | 145.39%-106.3pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $12,077 | $8,237+46.6% | $7,906+52.7% | $6,396+88.8% |
| Admin fee / account holder | $6,221 | $14,976-58.5% | $13,708-54.6% | $12,562-50.5% |