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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 | $41,571 | $133,998-69.0% | $112,263-63.0% | $134,545-69.1% |
| Participation rate | 77.3% | 78.6%-1.3pp | 75.1%+2.2pp | 81.2%-4.0pp |
| Annual return | -10.03% | 47.17%-57.2pp | 27.49%-37.5pp | 418.37%-428.4pp |
| Employer contribution / active EE | $409 | $4,040-89.9% | $3,636-88.7% | $4,742-91.4% |
| Participant deferral / active EE | $4,708 | $5,292-11.1% | $4,729-0.5% | $6,401-26.5% |
| Admin fee / account holder | $2,192 | $7,493-70.8% | $6,410-65.8% | $11,431-80.8% |