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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 | $95,548 | $99,032-3.5% | $80,022+19.4% | $135,380-29.4% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -7.02% | 15.39%-22.4pp | 11.22%-18.2pp | 519.81%-526.8pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $2,468-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $8,154 | $4,282+90.4% | $3,686+121.2% | $5,609+45.4% |
| Admin fee / account holder | $554 | $10,436-94.7% | $6,521-91.5% | $10,828-94.9% |