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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 | $40,176 | $68,346-41.2% | $94,659-57.6% | $75,173-46.6% |
| Participation rate | 96.2% | 76.1%+20.1pp | 80.8%+15.3pp | 67.2%+29.0pp |
| Annual return | 26.28% | 616.93%-590.6pp | 156.75%-130.5pp | 160.65%-134.4pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,670-100.0% |
| Participant deferral / active EE | $13,186 | $6,537+101.7% | $7,419+77.7% | $4,126+219.6% |
| Admin fee / account holder | $1,956 | $5,326-63.3% | $7,232-73.0% | $5,651-65.4% |