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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 | $215,584 | $157,304+37.0% | $141,197+52.7% | $152,909+41.0% |
| Participation rate | 71.4% | 84.8%-13.4pp | 82.5%-11.0pp | 82.5%-11.0pp |
| Annual return | 22.95% | 64.34%-41.4pp | 71.41%-48.5pp | 345.46%-322.5pp |
| Employer contribution / active EE | $0 | $5,263-100.0% | $4,736-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $7,458 | $7,111+4.9% | $6,710+11.1% | $5,851+27.5% |
| Admin fee / account holder | $1,456 | $12,126-88.0% | $10,265-85.8% | $11,601-87.5% |