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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 | $85,101 | $180,459-52.8% | $154,108-44.8% | $135,380-37.1% |
| Participation rate | 76.9% | 87.4%-10.5pp | 83.0%-6.1pp | 82.6%-5.7pp |
| Annual return | -5.03% | 888.21%-893.2pp | 735.21%-740.2pp | 519.81%-524.8pp |
| Employer contribution / active EE | $1,225 | $6,035-79.7% | $5,298-76.9% | $4,779-74.4% |
| Participant deferral / active EE | $2,925 | $5,806-49.6% | $5,081-42.4% | $5,609-47.9% |
| Admin fee / account holder | $5,529 | $16,145-65.8% | $13,411-58.8% | $10,828-48.9% |