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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 | $50,322 | $154,193-67.4% | $130,045-61.3% | $139,466-63.9% |
| Participation rate | 77.8% | 82.0%-4.2pp | 78.5%-0.7pp | 80.3%-2.6pp |
| Annual return | 13.87% | 32.51%-18.6pp | -137.30%+151.2pp | 373.66%-359.8pp |
| Employer contribution / active EE | $1,018 | $5,292-80.8% | $4,321-76.4% | $4,754-78.6% |
| Participant deferral / active EE | $4,415 | $6,709-34.2% | $5,820-24.1% | $6,712-34.2% |
| Admin fee / account holder | $5,247 | $13,989-62.5% | $10,600-50.5% | $11,409-54.0% |