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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 | $219,415 | $112,131+95.7% | $95,964+128.6% | $158,982+38.0% |
| Participation rate | 93.3% | 79.0%+14.3pp | 77.1%+16.2pp | 82.0%+11.4pp |
| Annual return | 25.36% | 171.19%-145.8pp | 91.64%-66.3pp | 302.99%-277.6pp |
| Employer contribution / active EE | $0 | $3,199-100.0% | $2,541-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $8,234 | $4,784+72.1% | $4,167+97.6% | $5,983+37.6% |
| Admin fee / account holder | $22,612 | $10,136+123.1% | $6,797+232.7% | $11,252+101.0% |