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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 | $45,789 | $81,208-43.6% | $98,920-53.7% | $79,856-42.7% |
| Participation rate | 87.2% | 72.5%+14.7pp | 76.0%+11.1pp | 69.6%+17.5pp |
| Annual return | 21.47% | 60.99%-39.5pp | 196.47%-175.0pp | 31.71%-10.2pp |
| Employer contribution / active EE | $324 | $1,960-83.5% | $2,689-88.0% | $2,471-86.9% |
| Participant deferral / active EE | $1,896 | $3,265-41.9% | $4,245-55.3% | $3,741-49.3% |
| Admin fee / account holder | $3,821 | $6,013-36.5% | $6,643-42.5% | $5,306-28.0% |