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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 | $99,376 | $72,404+37.3% | $110,241-9.9% | $64,181+54.8% |
| Participation rate | 94.9% | 73.3%+21.5pp | 79.8%+15.1pp | 69.6%+25.3pp |
| Annual return | -5.95% | -6.29%+0.3pp | 314.75%-320.7pp | 7.63%-13.6pp |
| Employer contribution / active EE | $513 | $2,282-77.5% | $3,827-86.6% | $2,381-78.4% |
| Participant deferral / active EE | $4,403 | $3,469+26.9% | $4,672-5.8% | $3,470+26.9% |
| Admin fee / account holder | $647 | $5,664-88.6% | $8,548-92.4% | $4,887-86.8% |