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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 | $33,298 | $93,124-64.2% | $77,100-56.8% | $134,545-75.3% |
| Participation rate | 88.9% | 74.5%+14.4pp | 67.9%+21.0pp | 81.2%+7.7pp |
| Annual return | 3.54% | 62.68%-59.1pp | 42.35%-38.8pp | 418.37%-414.8pp |
| Employer contribution / active EE | $0 | $3,421-100.0% | $2,815-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $2,220 | $5,242-57.7% | $4,430-49.9% | $6,401-65.3% |
| Admin fee / account holder | $375 | $6,970-94.6% | $5,443-93.1% | $11,431-96.7% |