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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 | $126,714 | $114,119+11.0% | $107,187+18.2% | $138,895-8.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 12.31% | 273.21%-260.9pp | 204.55%-192.2pp | 145.39%-133.1pp |
| Employer contribution / active EE | $0 | $4,059-100.0% | $3,782-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $15,881 | $5,538+186.8% | $5,096+211.6% | $6,396+148.3% |
| Admin fee / account holder | $5,123 | $10,024-48.9% | $9,162-44.1% | $12,562-59.2% |