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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 | $13,822 | $29,319-52.9% | $52,425-73.6% | $82,448-83.2% |
| Participation rate | 92.2% | 46.9%+45.3pp | 55.6%+36.5pp | 68.1%+24.1pp |
| Annual return | 30.82% | 535.20%-504.4pp | 302.12%-271.3pp | 41.64%-10.8pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,641 | $1,171+381.6% | $1,790+215.0% | $4,139+36.3% |
| Admin fee / account holder | $704 | $1,962-64.1% | $2,495-71.8% | $7,234-90.3% |