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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 | $121,270 | $165,361-26.7% | $149,715-19.0% | $158,950-23.7% |
| Participation rate | 73.7% | 84.6%-10.9pp | 82.5%-8.8pp | 82.0%-8.3pp |
| Annual return | 12.31% | 348.24%-335.9pp | 276.66%-264.4pp | 302.91%-290.6pp |
| Employer contribution / active EE | $0 | $5,103-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $8,973 | $7,182+24.9% | $6,842+31.1% | $5,983+50.0% |
| Admin fee / account holder | $4,175 | $10,808-61.4% | $9,310-55.2% | $11,248-62.9% |