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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 | $99,946 | $167,352-40.3% | $143,788-30.5% | $134,509-25.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.97% | 0.47%-19.4pp | -0.03%-18.9pp | 418.13%-437.1pp |
| Employer contribution / active EE | $698 | $5,620-87.6% | $4,952-85.9% | $4,741-85.3% |
| Participant deferral / active EE | $2,642 | $6,447-59.0% | $5,638-53.1% | $6,400-58.7% |
| Admin fee / account holder | $2,560 | $18,091-85.8% | $14,675-82.6% | $11,427-77.6% |