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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 | $33,447 | $104,953-68.1% | $84,637-60.5% | $152,909-78.1% |
| Participation rate | 95.5% | 74.8%+20.6pp | 68.2%+27.2pp | 82.5%+13.0pp |
| Annual return | 23.79% | 373.94%-350.2pp | 258.82%-235.0pp | 345.46%-321.7pp |
| Employer contribution / active EE | $0 | $3,304-100.0% | $2,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,052 | $4,691-34.9% | $3,900-21.7% | $5,851-47.8% |
| Admin fee / account holder | $466 | $6,244-92.5% | $4,914-90.5% | $11,601-96.0% |