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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 | $191,428 | $142,409+34.4% | $119,634+60.0% | $134,545+42.3% |
| Participation rate | 85.0% | 82.8%+2.2pp | 79.3%+5.7pp | 81.2%+3.8pp |
| Annual return | -15.28% | -12.46%-2.8pp | -14.98%-0.3pp | 418.37%-433.6pp |
| Employer contribution / active EE | $379 | $5,224-92.7% | $4,232-91.0% | $4,742-92.0% |
| Participant deferral / active EE | $2,227 | $6,468-65.6% | $5,601-60.2% | $6,401-65.2% |
| Admin fee / account holder | $14,354 | $13,594+5.6% | $10,329+39.0% | $11,431+25.6% |