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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 | $40,713 | $166,131-75.5% | $164,975-75.3% | $145,877-72.1% |
| Participation rate | 73.7% | 82.0%-8.3pp | 78.6%-4.9pp | 80.3%-6.6pp |
| Annual return | 11.86% | 100.37%-88.5pp | 70.12%-58.3pp | 551.28%-539.4pp |
| Employer contribution / active EE | $554 | $5,276-89.5% | $4,343-87.2% | $4,663-88.1% |
| Participant deferral / active EE | $7,169 | $6,962+3.0% | $6,033+18.8% | $6,691+7.1% |
| Admin fee / account holder | $628 | $16,648-96.2% | $12,688-95.0% | $13,402-95.3% |