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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 | $127,404 | $115,810+10.0% | $101,271+25.8% | $158,966-19.9% |
| Participation rate | 89.5% | 79.4%+10.1pp | 75.8%+13.7pp | 82.0%+7.5pp |
| Annual return | 9.86% | 56.15%-46.3pp | 46.48%-36.6pp | 302.95%-293.1pp |
| Employer contribution / active EE | $3 | $4,175-99.9% | $3,660-99.9% | $4,762-99.9% |
| Participant deferral / active EE | $6,052 | $4,958+22.1% | $4,371+38.5% | $5,983+1.2% |
| Admin fee / account holder | $4,273 | $7,248-41.1% | $5,948-28.2% | $11,250-62.0% |