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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 | $51,089 | $183,988-72.2% | $162,177-68.5% | $152,897-66.6% |
| Participation rate | 75.0% | 88.5%-13.5pp | 87.6%-12.6pp | 82.5%-7.5pp |
| Annual return | 22.49% | 150.79%-128.3pp | 115.60%-93.1pp | 345.43%-322.9pp |
| Employer contribution / active EE | $1,057 | $6,370-83.4% | $5,613-81.2% | $4,764-77.8% |
| Participant deferral / active EE | $3,779 | $8,032-53.0% | $7,297-48.2% | $5,851-35.4% |
| Admin fee / account holder | $3,507 | $13,123-73.3% | $10,843-67.7% | $11,599-69.8% |