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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 | $21,010 | $105,160-80.0% | $94,679-77.8% | $139,456-84.9% |
| Participation rate | 88.9% | 82.4%+6.5pp | 80.8%+8.1pp | 80.3%+8.6pp |
| Annual return | 33.78% | 38.04%-4.3pp | 156.75%-123.0pp | 373.45%-339.7pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $11,519 | $7,599+51.6% | $7,417+55.3% | $6,711+71.6% |
| Admin fee / account holder | $510 | $8,988-94.3% | $7,233-93.0% | $11,407-95.5% |