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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 | $118,849 | $147,167-19.2% | $111,392+6.7% | $135,379-12.2% |
| Participation rate | 89.5% | 84.0%+5.4pp | 78.9%+10.6pp | 82.6%+6.8pp |
| Annual return | -6.66% | -4.44%-2.2pp | -2.06%-4.6pp | 519.79%-526.5pp |
| Employer contribution / active EE | $0 | $5,204-100.0% | $4,328-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $4,642 | $6,565-29.3% | $5,567-16.6% | $5,609-17.2% |
| Admin fee / account holder | $353 | $20,270-98.3% | $12,266-97.1% | $10,828-96.7% |