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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 | $27,508 | $142,392-80.7% | $119,622-77.0% | $134,532-79.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -19.12% | -12.46%-6.7pp | -14.98%-4.1pp | 418.27%-437.4pp |
| Employer contribution / active EE | $0 | $5,224-100.0% | $4,232-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $18,277 | $6,467+182.6% | $5,601+226.3% | $6,401+185.5% |
| Admin fee / account holder | $2,958 | $13,593-78.2% | $10,328-71.4% | $11,429-74.1% |