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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 | $127,448 | $72,404+76.0% | $110,243+15.6% | $64,173+98.6% |
| Participation rate | 84.6% | 73.3%+11.3pp | 79.8%+4.8pp | 69.6%+15.0pp |
| Annual return | -5.22% | -6.29%+1.1pp | 314.76%-320.0pp | 7.63%-12.8pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $11,374 | $3,469+227.9% | $4,672+143.4% | $3,470+227.8% |
| Admin fee / account holder | $7,111 | $5,664+25.5% | $8,548-16.8% | $4,887+45.5% |