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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 | $108,976 | $57,330+90.1% | $86,656+25.8% | $75,177+45.0% |
| Participation rate | 82.1% | 63.2%+18.9pp | 71.7%+10.3pp | 67.2%+14.8pp |
| Annual return | 21.33% | 2675.40%-2654.1pp | 593.09%-571.8pp | 160.75%-139.4pp |
| Employer contribution / active EE | $278 | $2,316-88.0% | $3,025-90.8% | $2,671-89.6% |
| Participant deferral / active EE | $1,900 | $3,320-42.8% | $4,439-57.2% | $4,126-54.0% |
| Admin fee / account holder | $18,144 | $4,115+340.9% | $5,619+222.9% | $5,651+221.1% |