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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 | $27,312 | $75,832-64.0% | $147,618-81.5% | $59,633-54.2% |
| Participation rate | 96.9% | 71.6%+25.3pp | 84.6%+12.3pp | 68.7%+28.2pp |
| Annual return | -1.86% | 0.37%-2.2pp | 61.98%-63.8pp | 2041.40%-2043.3pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,565-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,024 | $3,131+28.5% | $4,895-17.8% | $3,192+26.1% |
| Admin fee / account holder | $306 | $5,986-94.9% | $11,612-97.4% | $4,297-92.9% |