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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 | $33,656 | $100,938-66.7% | $90,461-62.8% | $158,982-78.8% |
| Participation rate | 70.0% | 75.0%-5.0pp | 72.7%-2.7pp | 82.0%-12.0pp |
| Annual return | 15.13% | 1727.20%-1712.1pp | 1294.76%-1279.6pp | 302.99%-287.9pp |
| Employer contribution / active EE | $0 | $3,691-100.0% | $3,264-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $6,074 | $4,350+39.6% | $3,964+53.2% | $5,983+1.5% |
| Admin fee / account holder | $2,163 | $6,510-66.8% | $5,617-61.5% | $11,252-80.8% |