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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 | $20,215 | $107,363-81.2% | $92,909-78.2% | $152,897-86.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 14.58% | 145.63%-131.0pp | 109.44%-94.9pp | 345.43%-330.8pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,324 | $4,848-10.8% | $4,238+2.0% | $5,851-26.1% |
| Admin fee / account holder | $2,365 | $7,082-66.6% | $5,795-59.2% | $11,599-79.6% |