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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 | $51,866 | $132,099-60.7% | $115,599-55.1% | $138,895-62.7% |
| Participation rate | 82.4% | 77.9%+4.5pp | 74.3%+8.1pp | 79.9%+2.4pp |
| Annual return | 13.20% | 176.76%-163.6pp | 111.10%-97.9pp | 145.39%-132.2pp |
| Employer contribution / active EE | $566 | $3,416-83.4% | $2,955-80.9% | $4,194-86.5% |
| Participant deferral / active EE | $2,332 | $5,617-58.5% | $4,889-52.3% | $6,396-63.5% |
| Admin fee / account holder | $1,899 | $15,650-87.9% | $12,841-85.2% | $12,562-84.9% |