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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 | $44,836 | $167,362-73.2% | $143,799-68.8% | $134,532-66.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.34% | 0.47%-19.8pp | -0.04%-19.3pp | 418.27%-437.6pp |
| Employer contribution / active EE | $869 | $5,620-84.5% | $4,952-82.4% | $4,741-81.7% |
| Participant deferral / active EE | $7,678 | $6,447+19.1% | $5,638+36.2% | $6,401+20.0% |
| Admin fee / account holder | $389 | $18,094-97.9% | $14,677-97.4% | $11,429-96.6% |