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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 | $32,987 | $165,361-80.1% | $149,715-78.0% | $158,950-79.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.24% | 348.24%-340.0pp | 276.66%-268.4pp | 302.91%-294.7pp |
| Employer contribution / active EE | $0 | $5,103-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $2,697 | $7,182-62.4% | $6,842-60.6% | $5,983-54.9% |
| Admin fee / account holder | $51,799 | $10,808+379.3% | $9,310+456.4% | $11,248+360.5% |