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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 | $34,012 | $217,432-84.4% | $185,849-81.7% | $167,536-79.7% |
| Participation rate | 70.0% | 86.1%-16.1pp | 81.7%-11.7pp | 82.1%-12.1pp |
| Annual return | 16.61% | 148.42%-131.8pp | 122.10%-105.5pp | 478.82%-462.2pp |
| Employer contribution / active EE | $882 | $5,875-85.0% | $5,169-82.9% | $4,839-81.8% |
| Participant deferral / active EE | $2,554 | $6,357-59.8% | $5,569-54.1% | $6,342-59.7% |
| Admin fee / account holder | $3,430 | $19,818-82.7% | $16,244-78.9% | $12,315-72.1% |