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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 | $58,786 | $166,131-64.6% | $164,975-64.4% | $145,877-59.7% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 10.31% | 100.37%-90.1pp | 70.12%-59.8pp | 551.28%-541.0pp |
| Employer contribution / active EE | $974 | $5,276-81.5% | $4,343-77.6% | $4,663-79.1% |
| Participant deferral / active EE | $5,203 | $6,962-25.3% | $6,033-13.8% | $6,691-22.2% |
| Admin fee / account holder | $7,666 | $16,648-54.0% | $12,688-39.6% | $13,402-42.8% |