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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 | $21,321 | $78,520-72.8% | $96,576-77.9% | $82,448-74.1% |
| Participation rate | 81.0% | 77.7%+3.3pp | 81.4%-0.4pp | 68.1%+12.9pp |
| Annual return | 265.24% | 41.30%+223.9pp | 38.47%+226.8pp | 41.64%+223.6pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $7,759 | $6,754+14.9% | $7,956-2.5% | $4,139+87.4% |
| Admin fee / account holder | $716 | $13,455-94.7% | $11,381-93.7% | $7,234-90.1% |