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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 | $135,823 | $152,619-11.0% | $125,195+8.5% | $152,909-11.2% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 22.80% | 54.85%-32.0pp | 43.79%-21.0pp | 345.46%-322.7pp |
| Employer contribution / active EE | $9 | $4,947-99.8% | $3,866-99.8% | $4,764-99.8% |
| Participant deferral / active EE | $6,546 | $5,869+11.5% | $4,937+32.6% | $5,851+11.9% |
| Admin fee / account holder | $588 | $13,437-95.6% | $9,704-93.9% | $11,601-94.9% |