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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 | $31,343 | $78,520-60.1% | $96,576-67.5% | $82,448-62.0% |
| Participation rate | 76.9% | 77.7%-0.8pp | 81.4%-4.5pp | 68.1%+8.9pp |
| Annual return | 27.04% | 41.30%-14.3pp | 38.47%-11.4pp | 41.64%-14.6pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $12,000 | $6,754+77.7% | $7,956+50.8% | $4,139+189.9% |
| Admin fee / account holder | $13,144 | $13,455-2.3% | $11,381+15.5% | $7,234+81.7% |