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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 | $165,105 | $73,863+123.5% | $143,797+14.8% | $68,490+141.1% |
| Participation rate | 80.8% | 66.7%+14.1pp | 80.3%+0.5pp | 67.9%+12.9pp |
| Annual return | -12.39% | 0.91%-13.3pp | -0.04%-12.3pp | -7.85%-4.5pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,987 | $3,385+47.3% | $5,638-11.6% | $4,028+23.8% |
| Admin fee / account holder | $451 | $5,756-92.2% | $14,679-96.9% | $5,403-91.7% |