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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 | $95,180 | $138,072-31.1% | $123,549-23.0% | $135,382-29.7% |
| Participation rate | 85.7% | 84.7%+1.0pp | 82.3%+3.4pp | 82.6%+3.1pp |
| Annual return | -0.46% | 153.69%-154.2pp | 119.20%-119.7pp | 519.77%-520.2pp |
| Employer contribution / active EE | $0 | $5,152-100.0% | $4,628-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $8,910 | $6,799+31.0% | $6,426+38.7% | $5,609+58.8% |
| Admin fee / account holder | $51,117 | $10,917+368.3% | $9,284+450.6% | $10,829+372.1% |