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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 | $19,898 | $58,600-66.0% | $83,327-76.1% | $64,173-69.0% |
| Participation rate | 96.3% | 72.0%+24.3pp | 77.8%+18.5pp | 69.6%+26.7pp |
| Annual return | 5.25% | 9.66%-4.4pp | 10.64%-5.4pp | 7.63%-2.4pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,203 | $4,656-52.7% | $5,565-60.4% | $3,470-36.5% |
| Admin fee / account holder | $437 | $9,282-95.3% | $7,540-94.2% | $4,887-91.1% |