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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 | $204,088 | $110,830+84.1% | $86,625+135.6% | $167,553+21.8% |
| Participation rate | 86.7% | 75.8%+10.9pp | 71.6%+15.0pp | 82.1%+4.6pp |
| Annual return | 13.32% | 116.99%-103.7pp | 63.52%-50.2pp | 478.89%-465.6pp |
| Employer contribution / active EE | $0 | $3,245-100.0% | $2,496-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $7,570 | $4,548+66.5% | $3,700+104.6% | $6,343+19.3% |
| Admin fee / account holder | $2,370 | $8,420-71.9% | $5,830-59.4% | $12,316-80.8% |