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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 | $27,780 | $92,766-70.1% | $82,763-66.4% | $134,545-79.4% |
| Participation rate | 91.7% | 75.2%+16.5pp | 72.6%+19.1pp | 81.2%+10.4pp |
| Annual return | -18.85% | 946.97%-965.8pp | 702.45%-721.3pp | 418.37%-437.2pp |
| Employer contribution / active EE | $0 | $3,273-100.0% | $3,008-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $4,982 | $4,802+3.7% | $4,395+13.4% | $6,401-22.2% |
| Admin fee / account holder | $864 | $5,978-85.5% | $5,325-83.8% | $11,431-92.4% |