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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 | $50,073 | $227,399-78.0% | $189,758-73.6% | $198,609-74.8% |
| Participation rate | 71.4% | 84.0%-12.6pp | 79.8%-8.4pp | 82.4%-10.9pp |
| Annual return | 17.78% | 61.03%-43.3pp | 52.62%-34.8pp | 202.70%-184.9pp |
| Employer contribution / active EE | $1,076 | $5,526-80.5% | $4,767-77.4% | $5,055-78.7% |
| Participant deferral / active EE | $3,962 | $6,837-42.1% | $5,856-32.3% | $6,977-43.2% |
| Admin fee / account holder | $797 | $25,162-96.8% | $20,388-96.1% | $19,030-95.8% |