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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 | $41,986 | $197,637-78.8% | $177,848-76.4% | $158,982-73.6% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.7%+3.9pp | 82.0%+9.7pp |
| Annual return | 16.45% | 58.77%-42.3pp | 48.33%-31.9pp | 302.99%-286.5pp |
| Employer contribution / active EE | $953 | $6,698-85.8% | $5,919-83.9% | $4,763-80.0% |
| Participant deferral / active EE | $5,427 | $8,405-35.4% | $7,714-29.6% | $5,983-9.3% |
| Admin fee / account holder | $2,203 | $15,406-85.7% | $12,431-82.3% | $11,252-80.4% |