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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 | $30,681 | $85,171-64.0% | $172,753-82.2% | $72,976-58.0% |
| Participation rate | 70.1% | 70.1%+0.1pp | 82.6%-12.5pp | 69.5%+0.7pp |
| Annual return | 20.27% | 27.32%-7.1pp | 803.00%-782.7pp | 81.02%-60.7pp |
| Employer contribution / active EE | $173 | $3,324-94.8% | $5,144-96.6% | $2,440-92.9% |
| Participant deferral / active EE | $2,255 | $3,260-30.8% | $5,198-56.6% | $3,608-37.5% |
| Admin fee / account holder | $352 | $5,880-94.0% | $13,956-97.5% | $5,124-93.1% |