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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 | $175,167 | $152,592+14.8% | $125,180+39.9% | $152,885+14.6% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 18.22% | 54.84%-36.6pp | 43.79%-25.6pp | 345.39%-327.2pp |
| Employer contribution / active EE | $0 | $4,947-100.0% | $3,866-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $2,794 | $5,868-52.4% | $4,937-43.4% | $5,851-52.3% |
| Admin fee / account holder | $3,138 | $13,435-76.6% | $9,703-67.7% | $11,598-72.9% |