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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 | $20,441 | $105,160-80.6% | $94,679-78.4% | $139,456-85.3% |
| Participation rate | 94.7% | 82.4%+12.4pp | 80.8%+13.9pp | 80.3%+14.4pp |
| Annual return | 83.61% | 38.04%+45.6pp | 156.75%-73.1pp | 373.45%-289.8pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $18,015 | $7,599+137.1% | $7,417+142.9% | $6,711+168.4% |
| Admin fee / account holder | $2,386 | $8,988-73.4% | $7,233-67.0% | $11,407-79.1% |