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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 | $10,118 | $111,535-90.9% | $105,223-90.4% | $137,256-92.6% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 51.14% | 237.85%-186.7pp | 180.65%-129.5pp | 220.34%-169.2pp |
| Employer contribution / active EE | $0 | $3,939-100.0% | $3,689-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,815 | $5,500-48.8% | $5,072-44.5% | $6,407-56.1% |
| Admin fee / account holder | $405 | $9,721-95.8% | $8,859-95.4% | $12,270-96.7% |