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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 | $59,862 | $129,737-53.9% | $119,126-49.7% | $154,746-61.3% |
| Participation rate | 85.7% | 78.9%+6.9pp | 75.8%+10.0pp | 80.7%+5.0pp |
| Annual return | 10.48% | 379.08%-368.6pp | 282.11%-271.6pp | 172.34%-161.9pp |
| Employer contribution / active EE | $533 | $4,375-87.8% | $4,034-86.8% | $4,379-87.8% |
| Participant deferral / active EE | $4,932 | $5,842-15.6% | $5,318-7.2% | $6,730-26.7% |
| Admin fee / account holder | $2,494 | $11,961-79.1% | $10,693-76.7% | $14,365-82.6% |