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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 | $33,414 | $102,393-67.4% | $147,041-77.3% | $80,911-58.7% |
| Participation rate | 87.8% | 75.9%+11.9pp | 82.2%+5.6pp | 67.6%+20.1pp |
| Annual return | 14.21% | 134.95%-120.7pp | 419.21%-405.0pp | 35.63%-21.4pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $13,262 | $6,647+99.5% | $8,071+64.3% | $4,297+208.6% |
| Admin fee / account holder | $6,377 | $7,943-19.7% | $13,006-51.0% | $6,935-8.0% |