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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 | $56,203 | $110,212-49.0% | $96,534-41.8% | $139,466-59.7% |
| Participation rate | 88.9% | 78.1%+10.8pp | 76.0%+12.9pp | 80.3%+8.6pp |
| Annual return | 13.53% | 26.42%-12.9pp | 25.88%-12.4pp | 373.66%-360.1pp |
| Employer contribution / active EE | $633 | $3,620-82.5% | $2,965-78.7% | $4,754-86.7% |
| Participant deferral / active EE | $3,008 | $5,547-45.8% | $4,851-38.0% | $6,712-55.2% |
| Admin fee / account holder | $310 | $11,599-97.3% | $8,253-96.2% | $11,409-97.3% |