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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 | $46,473 | $112,300-58.6% | $90,223-48.5% | $125,389-62.9% |
| Participation rate | 100.0% | 82.9%+17.1pp | 79.0%+21.0pp | 83.2%+16.8pp |
| Annual return | -2.49% | -0.57%-1.9pp | 1.31%-3.8pp | 282.24%-284.7pp |
| Employer contribution / active EE | $1,028 | $5,181-80.2% | $4,378-76.5% | $4,866-78.9% |
| Participant deferral / active EE | $2,968 | $6,733-55.9% | $5,792-48.8% | $5,352-44.5% |
| Admin fee / account holder | $1,086 | $10,990-90.1% | $7,406-85.3% | $9,541-88.6% |