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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 | $99,597 | $60,119+65.7% | $90,430+10.1% | $79,858+24.7% |
| Participation rate | 86.7% | 65.0%+21.7pp | 72.7%+14.0pp | 69.6%+17.0pp |
| Annual return | 19.51% | 71.94%-52.4pp | 1293.73%-1274.2pp | 31.72%-12.2pp |
| Employer contribution / active EE | $177 | $2,068-91.4% | $3,262-94.6% | $2,471-92.8% |
| Participant deferral / active EE | $1,617 | $2,938-45.0% | $3,963-59.2% | $3,740-56.8% |
| Admin fee / account holder | $1,629 | $3,976-59.0% | $5,613-71.0% | $5,306-69.3% |