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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 | $7,928 | $99,053-92.0% | $88,179-91.0% | $138,895-94.3% |
| Participation rate | 83.3% | 74.2%+9.1pp | 69.1%+14.2pp | 79.9%+3.4pp |
| Annual return | 20.12% | 78.17%-58.0pp | 64.97%-44.8pp | 145.39%-125.3pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $2,549-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $10,627 | $5,225+103.4% | $4,614+130.3% | $6,396+66.1% |
| Admin fee / account holder | $1,589 | $8,748-81.8% | $7,673-79.3% | $12,562-87.3% |