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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 | $125,616 | $103,393+21.5% | $87,103+44.2% | $152,909-17.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 18.40% | 28.10%-9.7pp | 28.19%-9.8pp | 345.46%-327.1pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $8,677 | $4,778+81.6% | $4,049+114.3% | $5,851+48.3% |
| Admin fee / account holder | $28,815 | $12,195+136.3% | $7,491+284.6% | $11,601+148.4% |