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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 | $140,641 | $138,076+1.9% | $123,553+13.8% | $135,380+3.9% |
| Participation rate | 80.0% | 84.7%-4.7pp | 82.3%-2.3pp | 82.6%-2.6pp |
| Annual return | -7.39% | 153.70%-161.1pp | 119.21%-126.6pp | 519.81%-527.2pp |
| Employer contribution / active EE | $58 | $5,152-98.9% | $4,628-98.7% | $4,779-98.8% |
| Participant deferral / active EE | $8,457 | $6,800+24.4% | $6,426+31.6% | $5,609+50.8% |
| Admin fee / account holder | $6,430 | $10,917-41.1% | $9,284-30.7% | $10,828-40.6% |