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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 | $108,348 | $125,193-13.5% | $105,591+2.6% | $145,978-25.8% |
| Participation rate | 77.8% | 77.6%+0.1pp | 75.3%+2.5pp | 80.3%-2.5pp |
| Annual return | 12.98% | 225.53%-212.6pp | 116.43%-103.4pp | 550.52%-537.5pp |
| Employer contribution / active EE | $557 | $3,718-85.0% | $3,166-82.4% | $4,662-88.1% |
| Participant deferral / active EE | $2,542 | $5,708-55.5% | $5,008-49.3% | $6,690-62.0% |
| Admin fee / account holder | $676 | $17,277-96.1% | $11,024-93.9% | $13,400-95.0% |