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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 | $89,529 | $196,972-54.5% | $182,262-50.9% | $198,609-54.9% |
| Participation rate | 71.4% | 85.7%-14.3pp | 84.2%-12.8pp | 82.4%-10.9pp |
| Annual return | 5.03% | 158.27%-153.2pp | 140.60%-135.6pp | 202.70%-197.7pp |
| Employer contribution / active EE | $287 | $5,364-94.7% | $5,046-94.3% | $5,055-94.3% |
| Participant deferral / active EE | $3,950 | $8,643-54.3% | $8,276-52.3% | $6,977-43.4% |
| Admin fee / account holder | $4,502 | $18,429-75.6% | $16,712-73.1% | $19,030-76.3% |