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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 | $40,664 | $142,392-71.4% | $119,622-66.0% | $134,532-69.8% |
| Participation rate | 84.2% | 82.8%+1.4pp | 79.3%+4.9pp | 81.2%+3.0pp |
| Annual return | -13.94% | -12.46%-1.5pp | -14.98%+1.0pp | 418.27%-432.2pp |
| Employer contribution / active EE | $976 | $5,224-81.3% | $4,232-76.9% | $4,741-79.4% |
| Participant deferral / active EE | $4,176 | $6,467-35.4% | $5,601-25.4% | $6,401-34.8% |
| Admin fee / account holder | $2,022 | $13,593-85.1% | $10,328-80.4% | $11,429-82.3% |