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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 | $108,349 | $65,575+65.2% | $86,209+25.7% | $75,181+44.1% |
| Participation rate | 92.9% | 60.5%+32.4pp | 69.0%+23.9pp | 67.2%+25.7pp |
| Annual return | 15.07% | 46.07%-31.0pp | 1169.05%-1154.0pp | 160.69%-145.6pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $8,804 | $3,023+191.2% | $3,986+120.9% | $4,126+113.4% |
| Admin fee / account holder | $11,960 | $5,470+118.6% | $6,853+74.5% | $5,650+111.7% |