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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 | $87,542 | $112,131-21.9% | $95,964-8.8% | $158,982-44.9% |
| Participation rate | 78.3% | 79.0%-0.7pp | 77.1%+1.2pp | 82.0%-3.7pp |
| Annual return | 16.64% | 171.19%-154.5pp | 91.64%-75.0pp | 302.99%-286.4pp |
| Employer contribution / active EE | $421 | $3,199-86.8% | $2,541-83.4% | $4,763-91.2% |
| Participant deferral / active EE | $2,484 | $4,784-48.1% | $4,167-40.4% | $5,983-58.5% |
| Admin fee / account holder | $5,299 | $10,136-47.7% | $6,797-22.0% | $11,252-52.9% |