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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 | $43,850 | $166,268-73.6% | $165,100-73.4% | $145,897-69.9% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.6%-3.6pp | 80.3%-5.3pp |
| Annual return | 11.72% | 100.52%-88.8pp | 70.21%-58.5pp | 552.29%-540.6pp |
| Employer contribution / active EE | $513 | $5,284-90.3% | $4,348-88.2% | $4,663-89.0% |
| Participant deferral / active EE | $3,687 | $6,964-47.1% | $6,035-38.9% | $6,689-44.9% |
| Admin fee / account holder | $2,718 | $16,659-83.7% | $12,696-78.6% | $13,390-79.7% |