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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 | $241,457 | $117,895+104.8% | $102,460+135.7% | $145,897+65.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 10.70% | 31.92%-21.2pp | 29.47%-18.8pp | 552.29%-541.6pp |
| Employer contribution / active EE | $0 | $3,619-100.0% | $3,025-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $20,900 | $5,736+264.3% | $5,056+313.4% | $6,689+212.4% |
| Admin fee / account holder | $1,510 | $13,353-88.7% | $9,460-84.0% | $13,390-88.7% |