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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 | $93,679 | $102,638-8.7% | $81,991+14.3% | $158,966-41.1% |
| Participation rate | 95.8% | 75.5%+20.3pp | 69.3%+26.6pp | 82.0%+13.9pp |
| Annual return | 15.88% | 61.05%-45.2pp | 41.31%-25.4pp | 302.95%-287.1pp |
| Employer contribution / active EE | $0 | $3,241-100.0% | $2,498-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $2,999 | $4,649-35.5% | $3,722-19.4% | $5,983-49.9% |
| Admin fee / account holder | $361 | $8,237-95.6% | $5,665-93.6% | $11,250-96.8% |