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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 | $28,348 | $102,429-72.3% | $147,096-80.7% | $80,925-65.0% |
| Participation rate | 85.0% | 75.9%+9.1pp | 82.2%+2.8pp | 67.7%+17.3pp |
| Annual return | 16.79% | 135.02%-118.2pp | 419.75%-403.0pp | 35.65%-18.9pp |
| Employer contribution / active EE | $1 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,091 | $6,649+6.7% | $8,071-12.1% | $4,299+65.0% |
| Admin fee / account holder | $956 | $7,957-88.0% | $13,005-92.7% | $6,940-86.2% |