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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 | $29,171 | $99,957-70.8% | $149,745-80.5% | $73,497-60.3% |
| Participation rate | 70.9% | 75.7%-4.8pp | 82.5%-11.6pp | 70.7%+0.2pp |
| Annual return | 55.10% | 53.87%+1.2pp | 276.72%-221.6pp | 28.51%+26.6pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,646-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,843 | $6,073-36.7% | $6,843-43.8% | $3,740+2.8% |
| Admin fee / account holder | $863 | $551+56.6% | $9,312-90.7% | $513+68.1% |