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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 | $91,247 | $100,811-9.5% | $86,698+5.2% | $134,545-32.2% |
| Participation rate | 83.3% | 79.0%+4.4pp | 76.6%+6.7pp | 81.2%+2.1pp |
| Annual return | -12.31% | 29.11%-41.4pp | 35.96%-48.3pp | 418.37%-430.7pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $4,408 | $5,339-17.4% | $4,656-5.3% | $6,401-31.1% |
| Admin fee / account holder | $768 | $10,926-93.0% | $7,492-89.7% | $11,431-93.3% |