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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 | $182,011 | $138,076+31.8% | $123,553+47.3% | $135,380+34.4% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -5.24% | 153.70%-158.9pp | 119.21%-124.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $55 | $5,152-98.9% | $4,628-98.8% | $4,779-98.9% |
| Participant deferral / active EE | $10,337 | $6,800+52.0% | $6,426+60.9% | $5,609+84.3% |
| Admin fee / account holder | $9,186 | $10,917-15.9% | $9,284-1.1% | $10,828-15.2% |