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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 | $62,950 | $111,814-43.7% | $93,654-32.8% | $145,959-56.9% |
| Participation rate | 70.6% | 74.2%-3.6pp | 68.7%+1.9pp | 80.3%-9.7pp |
| Annual return | 16.15% | 203.30%-187.1pp | 133.34%-117.2pp | 561.95%-545.8pp |
| Employer contribution / active EE | $19 | $3,092-99.4% | $2,421-99.2% | $4,661-99.6% |
| Participant deferral / active EE | $5,563 | $4,914+13.2% | $4,413+26.1% | $6,689-16.8% |
| Admin fee / account holder | $4,204 | $10,246-59.0% | $8,282-49.2% | $13,398-68.6% |