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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 | $210,523 | $132,634+58.7% | $115,768+81.8% | $137,256+53.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 13.43% | 160.70%-147.3pp | 100.46%-87.0pp | 220.34%-206.9pp |
| Employer contribution / active EE | $128 | $3,360-96.2% | $2,940-95.7% | $4,156-96.9% |
| Participant deferral / active EE | $7,990 | $5,619+42.2% | $4,917+62.5% | $6,407+24.7% |
| Admin fee / account holder | $4,155 | $15,028-72.3% | $12,439-66.6% | $12,270-66.1% |