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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 | $117,484 | $176,105-33.3% | $159,474-26.3% | $167,536-29.9% |
| Participation rate | 87.5% | 85.0%+2.5pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 20.69% | 331.91%-311.2pp | 263.68%-243.0pp | 478.82%-458.1pp |
| Employer contribution / active EE | $0 | $5,299-100.0% | $4,831-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $13,857 | $7,751+78.8% | $7,353+88.4% | $6,342+118.5% |
| Admin fee / account holder | $2,063 | $12,559-83.6% | $10,802-80.9% | $12,315-83.2% |