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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 | $113,074 | $59,819+89.0% | $79,583+42.1% | $68,490+65.1% |
| Participation rate | 76.5% | 61.1%+15.4pp | 69.5%+7.0pp | 67.9%+8.6pp |
| Annual return | -16.55% | -12.30%-4.3pp | 0.16%-16.7pp | -7.85%-8.7pp |
| Employer contribution / active EE | $301 | $1,505-80.0% | $2,414-87.5% | $2,597-88.4% |
| Participant deferral / active EE | $5,464 | $3,025+80.7% | $3,986+37.1% | $4,028+35.7% |
| Admin fee / account holder | $4,916 | $4,835+1.7% | $6,835-28.1% | $5,403-9.0% |