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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 | $154,881 | $134,001+15.6% | $112,258+38.0% | $134,509+15.1% |
| Participation rate | 87.5% | 78.6%+8.9pp | 75.1%+12.4pp | 81.2%+6.3pp |
| Annual return | -18.85% | 47.15%-66.0pp | 27.47%-46.3pp | 418.13%-437.0pp |
| Employer contribution / active EE | $0 | $4,039-100.0% | $3,636-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $7,068 | $5,291+33.6% | $4,728+49.5% | $6,400+10.4% |
| Admin fee / account holder | $15,761 | $7,491+110.4% | $6,411+145.8% | $11,427+37.9% |