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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 | $30,812 | $102,393-69.9% | $147,041-79.0% | $80,911-61.9% |
| Participation rate | 88.6% | 75.9%+12.8pp | 82.2%+6.5pp | 67.6%+21.0pp |
| Annual return | 19.84% | 134.95%-115.1pp | 419.21%-399.4pp | 35.63%-15.8pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $8,789 | $6,647+32.2% | $8,071+8.9% | $4,297+104.5% |
| Admin fee / account holder | $845 | $7,943-89.4% | $13,006-93.5% | $6,935-87.8% |