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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 | $27,704 | $39,798-30.4% | $67,704-59.1% | $59,633-53.5% |
| Participation rate | 75.0% | 57.4%+17.6pp | 67.5%+7.5pp | 68.7%+6.3pp |
| Annual return | -2.03% | 89.94%-92.0pp | 25.41%-27.4pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,330 | $2,335-43.0% | $3,585-62.9% | $3,192-58.3% |
| Admin fee / account holder | $661 | $3,212-79.4% | $4,255-84.5% | $4,297-84.6% |