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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 | $102,385-69.9% | $147,080-79.1% | $80,935-61.9% |
| Participation rate | 88.6% | 75.9%+12.8pp | 82.2%+6.5pp | 67.7%+21.0pp |
| Annual return | 19.84% | 135.09%-115.3pp | 420.17%-400.3pp | 35.66%-15.8pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $8,789 | $6,651+32.1% | $8,066+9.0% | $4,299+104.4% |
| Admin fee / account holder | $845 | $7,951-89.4% | $12,989-93.5% | $6,924-87.8% |