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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 | $90,121 | $102,422-12.0% | $147,117-38.7% | $80,959+11.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 12.24% | 135.16%-122.9pp | 420.54%-408.3pp | 35.67%-23.4pp |
| Employer contribution / active EE | $305 | $3,717-91.8% | $4,932-93.8% | $2,757-89.0% |
| Participant deferral / active EE | $4,249 | $6,652-36.1% | $8,065-47.3% | $4,300-1.2% |
| Admin fee / account holder | $2,481 | $7,953-68.8% | $12,993-80.9% | $6,925-64.2% |