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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 | $19,325 | $97,732-80.2% | $83,831-76.9% | $135,380-85.7% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -6.14% | 1287.56%-1293.7pp | 850.99%-857.1pp | 519.81%-525.9pp |
| Employer contribution / active EE | $499 | $4,222-88.2% | $3,631-86.3% | $4,779-89.6% |
| Participant deferral / active EE | $4,062 | $4,683-13.3% | $4,082-0.5% | $5,609-27.6% |
| Admin fee / account holder | $319 | $6,675-95.2% | $5,479-94.2% | $10,828-97.1% |