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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 | $80,429 | $95,406-15.7% | $185,849-56.7% | $85,847-6.3% |
| Participation rate | 95.3% | 68.8%+26.6pp | 81.7%+13.6pp | 69.3%+26.0pp |
| Annual return | 16.94% | 23.59%-6.6pp | 122.10%-105.2pp | 318.61%-301.7pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $7,571 | $3,424+121.1% | $5,569+36.0% | $3,952+91.6% |
| Admin fee / account holder | $2,754 | $7,214-61.8% | $16,244-83.0% | $6,261-56.0% |