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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 | $49,694 | $77,817-36.1% | $123,553-59.8% | $64,173-22.6% |
| Participation rate | 80.5% | 74.7%+5.8pp | 82.3%-1.8pp | 69.6%+10.9pp |
| Annual return | -3.65% | 12.49%-16.1pp | 119.21%-122.9pp | 7.63%-11.3pp |
| Employer contribution / active EE | $26 | $3,014-99.1% | $4,628-99.4% | $2,381-98.9% |
| Participant deferral / active EE | $5,515 | $5,240+5.3% | $6,426-14.2% | $3,470+59.0% |
| Admin fee / account holder | $1,442 | $5,519-73.9% | $9,284-84.5% | $4,887-70.5% |