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 | $28,994 | $72,177-59.8% | $115,038-74.8% | $59,633-51.4% |
| Participation rate | 85.7% | 72.6%+13.2pp | 81.4%+4.3pp | 68.7%+17.0pp |
| Annual return | 1.57% | 12.02%-10.4pp | 26.14%-24.6pp | 2041.47%-2039.9pp |
| Employer contribution / active EE | $151 | $2,841-94.7% | $4,608-96.7% | $2,203-93.1% |
| Participant deferral / active EE | $2,391 | $4,783-50.0% | $6,026-60.3% | $3,192-25.1% |
| Admin fee / account holder | $5,374 | $4,927+9.1% | $8,175-34.3% | $4,297+25.1% |