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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 | $52,907 | $109,411-51.6% | $89,435-40.8% | $158,982-66.7% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 17.05% | 345.68%-328.6pp | 245.55%-228.5pp | 302.99%-285.9pp |
| Employer contribution / active EE | $0 | $3,173-100.0% | $2,587-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $9,497 | $4,600+106.5% | $3,890+144.1% | $5,983+58.7% |
| Admin fee / account holder | $438 | $6,159-92.9% | $4,884-91.0% | $11,252-96.1% |