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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 | $111,261 | $212,386-47.6% | $199,883-44.3% | $138,895-19.9% |
| Participation rate | 71.4% | 87.4%-15.9pp | 86.8%-15.3pp | 79.9%-8.5pp |
| Annual return | 19.38% | 47.75%-28.4pp | 43.81%-24.4pp | 145.39%-126.0pp |
| Employer contribution / active EE | $1,192 | $6,625-82.0% | $6,261-81.0% | $4,194-71.6% |
| Participant deferral / active EE | $7,390 | $9,617-23.2% | $9,138-19.1% | $6,396+15.5% |
| Admin fee / account holder | $4,417 | $18,233-75.8% | $17,268-74.4% | $12,562-64.8% |