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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 | $40,854 | $167,504-75.6% | $151,628-73.1% | $134,509-69.6% |
| Participation rate | 88.9% | 88.4%+0.5pp | 87.5%+1.4pp | 81.2%+7.7pp |
| Annual return | -13.86% | 7.81%-21.7pp | 3.34%-17.2pp | 418.13%-432.0pp |
| Employer contribution / active EE | $1,430 | $6,828-79.1% | $6,165-76.8% | $4,741-69.8% |
| Participant deferral / active EE | $7,986 | $8,985-11.1% | $8,363-4.5% | $6,400+24.8% |
| Admin fee / account holder | $2,617 | $13,779-81.0% | $11,613-77.5% | $11,427-77.1% |