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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 | $151,337 | $93,124+62.5% | $77,100+96.3% | $134,545+12.5% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -14.76% | 62.68%-77.4pp | 42.35%-57.1pp | 418.37%-433.1pp |
| Employer contribution / active EE | $0 | $3,421-100.0% | $2,815-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $17,761 | $5,242+238.8% | $4,430+301.0% | $6,401+177.5% |
| Admin fee / account holder | $2,276 | $6,970-67.4% | $5,443-58.2% | $11,431-80.1% |