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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 | $86,350 | $80,812+6.9% | $160,784-46.3% | $82,448+4.7% |
| Participation rate | 76.0% | 66.2%+9.8pp | 77.0%-1.0pp | 68.1%+7.9pp |
| Annual return | 14.98% | 100.59%-85.6pp | 1803.92%-1788.9pp | 41.64%-26.7pp |
| Employer contribution / active EE | $0 | $2,174-100.0% | $3,733-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $11,283 | $4,335+160.3% | $6,293+79.3% | $4,139+172.6% |
| Admin fee / account holder | $694 | $7,695-91.0% | $9,717-92.9% | $7,234-90.4% |