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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 | $244,022 | $98,776+147.0% | $149,745+63.0% | $79,856+205.6% |
| Participation rate | 97.0% | 75.8%+21.2pp | 82.5%+14.5pp | 69.6%+27.3pp |
| Annual return | 18.45% | 27.38%-8.9pp | 276.72%-258.3pp | 31.71%-13.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $8,221 | $5,681+44.7% | $6,843+20.1% | $3,741+119.8% |
| Admin fee / account holder | $5,883 | $6,053-2.8% | $9,312-36.8% | $5,306+10.9% |