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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 | $33,983 | $108,942-68.8% | $100,415-66.2% | $145,897-76.7% |
| Participation rate | 83.3% | 83.0%+0.4pp | 81.5%+1.8pp | 80.3%+3.0pp |
| Annual return | 33.09% | 58.27%-25.2pp | 49.47%-16.4pp | 552.29%-519.2pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $15,165 | $8,461+79.2% | $8,091+87.4% | $6,689+126.7% |
| Admin fee / account holder | $8,437 | $9,702-13.0% | $7,906+6.7% | $13,390-37.0% |