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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 | $80,137 | $168,635-52.5% | $147,617-45.7% | $125,389-36.1% |
| Participation rate | 75.0% | 88.8%-13.8pp | 84.6%-9.6pp | 83.2%-8.2pp |
| Annual return | 1.57% | 77.65%-76.1pp | 61.98%-60.4pp | 282.24%-280.7pp |
| Employer contribution / active EE | $1,256 | $6,252-79.9% | $5,564-77.4% | $4,866-74.2% |
| Participant deferral / active EE | $2,983 | $5,507-45.8% | $4,895-39.1% | $5,352-44.3% |
| Admin fee / account holder | $926 | $13,580-93.2% | $11,612-92.0% | $9,541-90.3% |