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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 | $113,801 | $127,100-10.5% | $105,738+7.6% | $135,382-15.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -3.38% | 4.49%-7.9pp | 6.27%-9.6pp | 519.77%-523.1pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,268-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $7,303 | $5,064+44.2% | $4,080+79.0% | $5,609+30.2% |
| Admin fee / account holder | $4,035 | $9,087-55.6% | $6,913-41.6% | $10,829-62.7% |