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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 | $101,116 | $75,962+33.1% | $154,108-34.4% | $64,173+57.6% |
| Participation rate | 76.5% | 70.4%+6.1pp | 83.0%-6.6pp | 69.6%+6.9pp |
| Annual return | -5.61% | 30.32%-35.9pp | 735.21%-740.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $231 | $3,350-93.1% | $5,298-95.6% | $2,381-90.3% |
| Participant deferral / active EE | $4,401 | $3,175+38.6% | $5,081-13.4% | $3,470+26.8% |
| Admin fee / account holder | $15,432 | $5,589+176.1% | $13,411+15.1% | $4,887+215.8% |