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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 | $218,941 | $105,210+108.1% | $159,487+37.3% | $85,851+155.0% |
| Participation rate | 79.4% | 75.8%+3.6pp | 82.8%-3.4pp | 69.3%+10.1pp |
| Annual return | 17.77% | 45.08%-27.3pp | 263.71%-245.9pp | 318.63%-300.9pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $10,210 | $5,946+71.7% | $7,354+38.8% | $3,952+158.3% |
| Admin fee / account holder | $4,876 | $6,934-29.7% | $10,804-54.9% | $6,261-22.1% |