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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 | $47,398 | $107,368-55.9% | $92,915-49.0% | $152,909-69.0% |
| Participation rate | 83.3% | 79.8%+3.5pp | 76.0%+7.3pp | 82.5%+0.9pp |
| Annual return | 25.84% | 145.64%-119.8pp | 109.45%-83.6pp | 345.46%-319.6pp |
| Employer contribution / active EE | $347 | $4,222-91.8% | $3,653-90.5% | $4,764-92.7% |
| Participant deferral / active EE | $8,080 | $4,848+66.7% | $4,238+90.6% | $5,851+38.1% |
| Admin fee / account holder | $1,758 | $7,082-75.2% | $5,796-69.7% | $11,601-84.8% |