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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 | $40,516 | $138,075-70.7% | $123,552-67.2% | $135,379-70.1% |
| Participation rate | 78.6% | 84.7%-6.2pp | 82.3%-3.7pp | 82.6%-4.1pp |
| Annual return | -5.76% | 153.70%-159.5pp | 119.20%-125.0pp | 519.79%-525.6pp |
| Employer contribution / active EE | $46 | $5,152-99.1% | $4,628-99.0% | $4,779-99.0% |
| Participant deferral / active EE | $5,871 | $6,800-13.7% | $6,426-8.6% | $5,609+4.7% |
| Admin fee / account holder | $3,931 | $10,917-64.0% | $9,285-57.7% | $10,828-63.7% |