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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 | $40,458 | $133,981-69.8% | $112,249-64.0% | $134,532-69.9% |
| Participation rate | 83.3% | 78.6%+4.8pp | 75.1%+8.3pp | 81.2%+2.1pp |
| Annual return | -15.05% | 47.16%-62.2pp | 27.48%-42.5pp | 418.27%-433.3pp |
| Employer contribution / active EE | $107 | $4,040-97.4% | $3,636-97.1% | $4,741-97.7% |
| Participant deferral / active EE | $4,323 | $5,292-18.3% | $4,729-8.6% | $6,401-32.5% |
| Admin fee / account holder | $864 | $7,492-88.5% | $6,412-86.5% | $11,429-92.4% |