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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 | $37,611 | $167,362-77.5% | $143,799-73.8% | $134,532-72.0% |
| Participation rate | 80.0% | 84.8%-4.8pp | 80.3%-0.3pp | 81.2%-1.2pp |
| Annual return | -17.62% | 0.47%-18.1pp | -0.04%-17.6pp | 418.27%-435.9pp |
| Employer contribution / active EE | $822 | $5,620-85.4% | $4,952-83.4% | $4,741-82.7% |
| Participant deferral / active EE | $2,608 | $6,447-59.6% | $5,638-53.8% | $6,401-59.3% |
| Admin fee / account holder | $766 | $18,094-95.8% | $14,677-94.8% | $11,429-93.3% |