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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 | $81,112 | $88,672-8.5% | $105,223-22.9% | $82,448-1.6% |
| Participation rate | 82.5% | 67.9%+14.6pp | 75.0%+7.5pp | 68.1%+14.4pp |
| Annual return | 13.67% | 30.86%-17.2pp | 180.65%-167.0pp | 41.64%-28.0pp |
| Employer contribution / active EE | -$1,696 | $3,048-155.7% | $3,689-146.0% | $2,551-166.5% |
| Participant deferral / active EE | $5,732 | $4,036+42.0% | $5,072+13.0% | $4,139+38.5% |
| Admin fee / account holder | $13,270 | $7,146+85.7% | $8,859+49.8% | $7,234+83.4% |