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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 | $33,516 | $100,895-66.8% | $90,430-62.9% | $158,950-78.9% |
| Participation rate | 73.7% | 75.0%-1.3pp | 72.7%+1.0pp | 82.0%-8.3pp |
| Annual return | 13.46% | 1725.54%-1712.1pp | 1293.73%-1280.3pp | 302.91%-289.5pp |
| Employer contribution / active EE | $0 | $3,689-100.0% | $3,262-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $1,989 | $4,347-54.3% | $3,963-49.8% | $5,983-66.8% |
| Admin fee / account holder | $594 | $6,505-90.9% | $5,613-89.4% | $11,248-94.7% |