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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 | $58,706 | $102,422-42.7% | $147,117-60.1% | $80,959-27.5% |
| Participation rate | 87.5% | 75.9%+11.6pp | 82.2%+5.3pp | 67.7%+19.8pp |
| Annual return | 14.59% | 135.16%-120.6pp | 420.54%-405.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $802 | $3,717-78.4% | $4,932-83.7% | $2,757-70.9% |
| Participant deferral / active EE | $8,209 | $6,652+23.4% | $8,065+1.8% | $4,300+90.9% |
| Admin fee / account holder | $3,335 | $7,953-58.1% | $12,993-74.3% | $6,925-51.8% |