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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 | $72,828 | $147,167-50.5% | $111,392-34.6% | $135,379-46.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 78.9%+21.1pp | 82.6%+17.4pp |
| Annual return | -8.05% | -4.44%-3.6pp | -2.06%-6.0pp | 519.79%-527.8pp |
| Employer contribution / active EE | $1,131 | $5,204-78.3% | $4,328-73.9% | $4,779-76.3% |
| Participant deferral / active EE | $4,088 | $6,565-37.7% | $5,567-26.6% | $5,609-27.1% |
| Admin fee / account holder | $923 | $20,270-95.4% | $12,266-92.5% | $10,828-91.5% |