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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 | $151,717 | $105,866+43.3% | $90,766+67.2% | $134,545+12.8% |
| Participation rate | 93.8% | 78.3%+15.5pp | 75.7%+18.1pp | 81.2%+12.5pp |
| Annual return | -11.93% | -10.99%-0.9pp | -12.16%+0.2pp | 418.37%-430.3pp |
| Employer contribution / active EE | $442 | $3,464-87.2% | $2,922-84.9% | $4,742-90.7% |
| Participant deferral / active EE | $2,893 | $5,217-44.5% | $4,565-36.6% | $6,401-54.8% |
| Admin fee / account holder | $54,333 | $13,938+289.8% | $8,446+543.3% | $11,431+375.3% |