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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 | $125,908 | $99,079+27.1% | $78,002+61.4% | $273,972-54.0% |
| Participation rate | 95.0% | 78.6%+16.4pp | 75.5%+19.5pp | 83.0%+12.0pp |
| Annual return | 7.47% | 217.93%-210.5pp | 425.99%-418.5pp | 41.46%-34.0pp |
| Employer contribution / active EE | $15 | $3,308-99.5% | $2,470-99.4% | $4,869-99.7% |
| Participant deferral / active EE | $5,013 | $4,306+16.4% | $3,497+43.3% | $5,287-5.2% |
| Admin fee / account holder | $11,956 | $8,954+33.5% | $5,481+118.1% | $10,133+18.0% |