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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 | $90,121 | $102,385-12.0% | $147,080-38.7% | $80,935+11.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 12.24% | 135.09%-122.9pp | 420.17%-407.9pp | 35.66%-23.4pp |
| Employer contribution / active EE | $305 | $3,717-91.8% | $4,933-93.8% | $2,757-88.9% |
| Participant deferral / active EE | $4,249 | $6,651-36.1% | $8,066-47.3% | $4,299-1.2% |
| Admin fee / account holder | $2,481 | $7,951-68.8% | $12,989-80.9% | $6,924-64.2% |