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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 | $89,206 | $95,188-6.3% | $76,518+16.6% | $135,380-34.1% |
| Participation rate | 78.6% | 74.4%+4.2pp | 68.0%+10.6pp | 82.6%-4.1pp |
| Annual return | -5.65% | 4.85%-10.5pp | -0.27%-5.4pp | 519.81%-525.5pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,412 | $4,640-26.5% | $3,836-11.1% | $5,609-39.2% |
| Admin fee / account holder | $515 | $6,249-91.8% | $4,849-89.4% | $10,828-95.2% |