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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 | $39,263 | $167,353-76.5% | $143,797-72.7% | $134,545-70.8% |
| Participation rate | 76.5% | 84.8%-8.4pp | 80.3%-3.8pp | 81.2%-4.8pp |
| Annual return | -16.21% | 0.48%-16.7pp | -0.04%-16.2pp | 418.37%-434.6pp |
| Employer contribution / active EE | $1,090 | $5,620-80.6% | $4,952-78.0% | $4,742-77.0% |
| Participant deferral / active EE | $3,515 | $6,447-45.5% | $5,638-37.7% | $6,401-45.1% |
| Admin fee / account holder | $3,743 | $18,096-79.3% | $14,679-74.5% | $11,431-67.3% |