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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 | $51,947 | $106,005-51.0% | $92,239-43.7% | $147,585-64.8% |
| Participation rate | 84.6% | 80.4%+4.2pp | 76.5%+8.1pp | 82.8%+1.8pp |
| Annual return | 12.25% | 50.05%-37.8pp | 176.29%-164.0pp | 578.58%-566.3pp |
| Employer contribution / active EE | $555 | $4,333-87.2% | $3,680-84.9% | $4,876-88.6% |
| Participant deferral / active EE | $2,915 | $4,478-34.9% | $3,897-25.2% | $5,439-46.4% |
| Admin fee / account holder | $743 | $6,333-88.3% | $5,194-85.7% | $10,886-93.2% |