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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 | $91,368 | $162,821-43.9% | $133,978-31.8% | $158,982-42.5% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 10.04% | 41.95%-31.9pp | 45.10%-35.1pp | 302.99%-292.9pp |
| Employer contribution / active EE | $471 | $4,976-90.5% | $3,919-88.0% | $4,763-90.1% |
| Participant deferral / active EE | $4,537 | $5,910-23.2% | $5,047-10.1% | $5,983-24.2% |
| Admin fee / account holder | $3,826 | $11,742-67.4% | $8,930-57.2% | $11,252-66.0% |