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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 | $192,632 | $112,933+70.6% | $90,970+111.8% | $158,982+21.2% |
| Participation rate | 94.4% | 74.7%+19.7pp | 69.0%+25.4pp | 82.0%+12.5pp |
| Annual return | 12.39% | 215.82%-203.4pp | 134.60%-122.2pp | 302.99%-290.6pp |
| Employer contribution / active EE | $0 | $2,893-100.0% | $2,122-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $8,323 | $4,128+101.6% | $3,373+146.7% | $5,983+39.1% |
| Admin fee / account holder | $1,224 | $8,047-84.8% | $5,961-79.5% | $11,252-89.1% |