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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 | $81,144 | $81,208-0.1% | $98,920-18.0% | $79,856+1.6% |
| Participation rate | 78.4% | 72.5%+5.9pp | 76.0%+2.4pp | 69.6%+8.8pp |
| Annual return | 16.39% | 60.99%-44.6pp | 196.47%-180.1pp | 31.71%-15.3pp |
| Employer contribution / active EE | $387 | $1,960-80.2% | $2,689-85.6% | $2,471-84.3% |
| Participant deferral / active EE | $2,474 | $3,265-24.2% | $4,245-41.7% | $3,741-33.9% |
| Admin fee / account holder | $5,316 | $6,013-11.6% | $6,643-20.0% | $5,306+0.2% |