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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 | $86,889 | $77,817+11.7% | $123,553-29.7% | $64,173+35.4% |
| Participation rate | 93.9% | 74.7%+19.2pp | 82.3%+11.6pp | 69.6%+24.3pp |
| Annual return | -0.93% | 12.49%-13.4pp | 119.21%-120.1pp | 7.63%-8.6pp |
| Employer contribution / active EE | $25 | $3,014-99.2% | $4,628-99.5% | $2,381-98.9% |
| Participant deferral / active EE | $6,332 | $5,240+20.8% | $6,426-1.5% | $3,470+82.5% |
| Admin fee / account holder | $1,172 | $5,519-78.8% | $9,284-87.4% | $4,887-76.0% |