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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 | $134,019 | $112,131+19.5% | $95,964+39.7% | $158,982-15.7% |
| Participation rate | 83.3% | 79.0%+4.3pp | 77.1%+6.2pp | 82.0%+1.4pp |
| Annual return | 6.55% | 171.19%-164.6pp | 91.64%-85.1pp | 302.99%-296.4pp |
| Employer contribution / active EE | $0 | $3,199-100.0% | $2,541-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $7,033 | $4,784+47.0% | $4,167+68.8% | $5,983+17.5% |
| Admin fee / account holder | $6,875 | $10,136-32.2% | $6,797+1.1% | $11,252-38.9% |