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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 | $211,946 | $99,994+112.0% | $146,643+44.5% | $85,847+146.9% |
| Participation rate | 71.4% | 73.1%-1.6pp | 80.1%-8.6pp | 69.3%+2.1pp |
| Annual return | 20.91% | 18.93%+2.0pp | 22.75%-1.8pp | 318.61%-297.7pp |
| Employer contribution / active EE | $581 | $2,559-77.3% | $4,137-86.0% | $2,565-77.4% |
| Participant deferral / active EE | $3,871 | $4,006-3.4% | $5,506-29.7% | $3,952-2.1% |
| Admin fee / account holder | $1,185 | $7,703-84.6% | $10,280-88.5% | $6,261-81.1% |