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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 | $37,901 | $100,805-62.4% | $86,698-56.3% | $134,532-71.8% |
| Participation rate | 79.2% | 79.0%+0.2pp | 76.6%+2.6pp | 81.2%-2.1pp |
| Annual return | -20.08% | 29.09%-49.2pp | 35.95%-56.0pp | 418.27%-438.3pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $11,043 | $5,339+106.8% | $4,656+137.2% | $6,401+72.5% |
| Admin fee / account holder | $4,208 | $10,925-61.5% | $7,493-43.8% | $11,429-63.2% |