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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 | $64,592 | $82,678-21.9% | $125,391-48.5% | $68,490-5.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | -16.53% | -5.97%-10.6pp | 572.41%-588.9pp | -7.85%-8.7pp |
| Employer contribution / active EE | $431 | $3,382-87.3% | $4,816-91.1% | $2,597-83.4% |
| Participant deferral / active EE | $5,068 | $6,111-17.1% | $7,448-32.0% | $4,028+25.8% |
| Admin fee / account holder | $2,294 | $6,277-63.5% | $10,009-77.1% | $5,403-57.5% |