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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 | $78,406 | $82,678-5.2% | $125,391-37.5% | $68,490+14.5% |
| Participation rate | 74.2% | 75.1%-0.9pp | 82.4%-8.2pp | 67.9%+6.3pp |
| Annual return | -18.27% | -5.97%-12.3pp | 572.41%-590.7pp | -7.85%-10.4pp |
| Employer contribution / active EE | $147 | $3,382-95.7% | $4,816-97.0% | $2,597-94.3% |
| Participant deferral / active EE | $8,205 | $6,111+34.3% | $7,448+10.2% | $4,028+103.7% |
| Admin fee / account holder | $32,061 | $6,277+410.7% | $10,009+220.3% | $5,403+493.4% |