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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 | $27,054 | $82,674-67.3% | $125,381-78.4% | $68,486-60.5% |
| Participation rate | 76.3% | 75.1%+1.3pp | 82.4%-6.1pp | 67.9%+8.4pp |
| Annual return | -16.93% | -5.97%-11.0pp | 572.31%-589.2pp | -7.85%-9.1pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $7,679 | $6,111+25.7% | $7,448+3.1% | $4,028+90.7% |
| Admin fee / account holder | $887 | $6,277-85.9% | $10,007-91.1% | $5,404-83.6% |