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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 | $19,524 | $47,479-58.9% | $62,929-69.0% | $82,448-76.3% |
| Participation rate | 81.4% | 66.9%+14.5pp | 73.1%+8.3pp | 68.1%+13.3pp |
| Annual return | 26.24% | 20.34%+5.9pp | 1063.93%-1037.7pp | 41.64%-15.4pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $8,738 | $2,870+204.4% | $3,888+124.7% | $4,139+111.1% |
| Admin fee / account holder | $4,034 | $3,804+6.0% | $5,065-20.4% | $7,234-44.2% |