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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 | $3,669 | $28,624-87.2% | $53,647-93.2% | $82,637-95.6% |
| Participation rate | 80.0% | 47.3%+32.7pp | 56.3%+23.7pp | 68.1%+11.9pp |
| Annual return | 20.63% | 664.98%-644.4pp | 358.33%-337.7pp | 53.51%-32.9pp |
| Employer contribution / active EE | $101 | $637-84.1% | $962-89.5% | $2,552-96.0% |
| Participant deferral / active EE | $351 | $1,196-70.6% | $1,813-80.6% | $4,126-91.5% |
| Admin fee / account holder | $436 | $2,022-78.4% | $2,460-82.3% | $7,339-94.1% |