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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 | $180,479 | $129,959+38.9% | $104,301+73.0% | $134,532+34.2% |
| Participation rate | 75.0% | 79.5%-4.5pp | 73.3%+1.7pp | 81.2%-6.2pp |
| Annual return | -15.05% | 42.04%-57.1pp | 24.61%-39.7pp | 418.27%-433.3pp |
| Employer contribution / active EE | $0 | $4,185-100.0% | $3,373-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $3,621 | $5,589-35.2% | $4,626-21.7% | $6,401-43.4% |
| Admin fee / account holder | $3,353 | $9,325-64.0% | $7,340-54.3% | $11,429-70.7% |