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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 | $28,765 | $108,942-73.6% | $100,415-71.4% | $145,897-80.3% |
| Participation rate | 83.3% | 83.0%+0.4pp | 81.5%+1.8pp | 80.3%+3.0pp |
| Annual return | 16.93% | 58.27%-41.3pp | 49.47%-32.5pp | 552.29%-535.4pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $23,561 | $8,461+178.5% | $8,091+191.2% | $6,689+252.2% |
| Admin fee / account holder | $13,129 | $9,702+35.3% | $7,906+66.1% | $13,390-1.9% |