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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 | $141,534 | $100,203+41.2% | $85,240+66.0% | $145,897-3.0% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 14.61% | 84.28%-69.7pp | 66.75%-52.1pp | 552.29%-537.7pp |
| Employer contribution / active EE | $0 | $3,242-100.0% | $2,735-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $12,200 | $5,299+130.3% | $4,527+169.5% | $6,689+82.4% |
| Admin fee / account holder | $1,333 | $7,265-81.7% | $6,165-78.4% | $13,390-90.0% |