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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 | $112,318 | $82,674+35.9% | $125,381-10.4% | $68,486+64.0% |
| Participation rate | 84.8% | 75.1%+9.8pp | 82.4%+2.5pp | 67.9%+17.0pp |
| Annual return | -18.94% | -5.97%-13.0pp | 572.31%-591.2pp | -7.85%-11.1pp |
| Employer contribution / active EE | $423 | $3,382-87.5% | $4,815-91.2% | $2,597-83.7% |
| Participant deferral / active EE | $8,246 | $6,111+34.9% | $7,448+10.7% | $4,028+104.7% |
| Admin fee / account holder | $2,865 | $6,277-54.4% | $10,007-71.4% | $5,404-47.0% |