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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 | $69,929 | $100,262-30.3% | $81,370-14.1% | $145,897-52.1% |
| Participation rate | 83.3% | 74.3%+9.1pp | 69.5%+13.8pp | 80.3%+3.0pp |
| Annual return | 8.88% | 34.52%-25.6pp | 24.85%-16.0pp | 552.29%-543.4pp |
| Employer contribution / active EE | $334 | $2,979-88.8% | $2,464-86.4% | $4,663-92.8% |
| Participant deferral / active EE | $2,958 | $4,612-35.9% | $3,885-23.9% | $6,689-55.8% |
| Admin fee / account holder | $1,611 | $8,163-80.3% | $5,749-72.0% | $13,390-88.0% |