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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 | $53,122 | $152,619-65.2% | $125,195-57.6% | $152,909-65.3% |
| Participation rate | 80.0% | 83.3%-3.3pp | 79.8%+0.2pp | 82.5%-2.5pp |
| Annual return | 13.66% | 54.85%-41.2pp | 43.79%-30.1pp | 345.46%-331.8pp |
| Employer contribution / active EE | $496 | $4,947-90.0% | $3,866-87.2% | $4,764-89.6% |
| Participant deferral / active EE | $10,000 | $5,869+70.4% | $4,937+102.5% | $5,851+70.9% |
| Admin fee / account holder | $328 | $13,437-97.6% | $9,704-96.6% | $11,601-97.2% |