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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 | $56,188 | $125,237-55.1% | $105,608-46.8% | $145,877-61.5% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 10.63% | 225.76%-215.1pp | 116.50%-105.9pp | 551.28%-540.7pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,903 | $5,711+38.4% | $5,010+57.8% | $6,691+18.1% |
| Admin fee / account holder | $4,032 | $17,287-76.7% | $11,028-63.4% | $13,402-69.9% |