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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 | $13,308 | $58,275-77.2% | $81,844-83.7% | $80,935-83.6% |
| Participation rate | 82.1% | 63.5%+18.6pp | 72.4%+9.7pp | 67.7%+14.4pp |
| Annual return | 12.67% | 41.82%-29.1pp | 778.87%-766.2pp | 35.66%-23.0pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,449 | $3,285-55.9% | $4,323-66.5% | $4,299-66.3% |
| Admin fee / account holder | $664 | $4,749-86.0% | $7,355-91.0% | $6,924-90.4% |