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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 | $33,553 | $105,198-68.1% | $159,455-79.0% | $85,856-60.9% |
| Participation rate | 71.4% | 75.8%-4.4pp | 82.8%-11.4pp | 69.3%+2.1pp |
| Annual return | 21.13% | 45.08%-24.0pp | 263.63%-242.5pp | 318.58%-297.5pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,830-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $8,135 | $5,946+36.8% | $7,353+10.6% | $3,952+105.8% |
| Admin fee / account holder | $307 | $6,934-95.6% | $10,800-97.2% | $6,261-95.1% |