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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 | $25,706 | $124,175-79.3% | $108,405-76.3% | $167,553-84.7% |
| Participation rate | 81.8% | 82.3%-0.5pp | 80.1%+1.7pp | 82.1%-0.3pp |
| Annual return | 18.91% | 1380.13%-1361.2pp | 905.55%-886.6pp | 478.89%-460.0pp |
| Employer contribution / active EE | $0 | $4,188-100.0% | $3,559-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $10,123 | $6,908+46.5% | $6,563+54.2% | $6,343+59.6% |
| Admin fee / account holder | $5,735 | $9,457-39.4% | $7,297-21.4% | $12,316-53.4% |