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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 | $91,954 | $102,422-10.2% | $147,117-37.5% | $80,959+13.6% |
| Participation rate | 83.3% | 75.9%+7.5pp | 82.2%+1.1pp | 67.7%+15.7pp |
| Annual return | 14.00% | 135.16%-121.2pp | 420.54%-406.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $392 | $3,717-89.5% | $4,932-92.1% | $2,757-85.8% |
| Participant deferral / active EE | $8,251 | $6,652+24.0% | $8,065+2.3% | $4,300+91.9% |
| Admin fee / account holder | $2,925 | $7,953-63.2% | $12,993-77.5% | $6,925-57.8% |