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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 | $34,356 | $57,312-40.1% | $86,617-60.3% | $75,181-54.3% |
| Participation rate | 96.4% | 63.2%+33.2pp | 71.7%+24.7pp | 67.2%+29.2pp |
| Annual return | 29.59% | 2672.78%-2643.2pp | 591.91%-562.3pp | 160.69%-131.1pp |
| Employer contribution / active EE | $277 | $2,315-88.0% | $3,023-90.8% | $2,671-89.6% |
| Participant deferral / active EE | $1,502 | $3,319-54.7% | $4,437-66.1% | $4,126-63.6% |
| Admin fee / account holder | $3,912 | $4,114-4.9% | $5,613-30.3% | $5,650-30.8% |