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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 | $73,658 | $82,674-10.9% | $125,381-41.3% | $68,486+7.6% |
| Participation rate | 70.4% | 75.1%-4.7pp | 82.4%-12.0pp | 67.9%+2.5pp |
| Annual return | -14.03% | -5.97%-8.1pp | 572.31%-586.3pp | -7.85%-6.2pp |
| Employer contribution / active EE | $64 | $3,382-98.1% | $4,815-98.7% | $2,597-97.5% |
| Participant deferral / active EE | $6,500 | $6,111+6.4% | $7,448-12.7% | $4,028+61.4% |
| Admin fee / account holder | $15,548 | $6,277+147.7% | $10,007+55.4% | $5,404+187.7% |