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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 | $31,389 | $154,193-79.6% | $130,045-75.9% | $139,466-77.5% |
| Participation rate | 70.0% | 82.0%-12.0pp | 78.5%-8.5pp | 80.3%-10.3pp |
| Annual return | 19.70% | 32.51%-12.8pp | -137.30%+157.0pp | 373.66%-354.0pp |
| Employer contribution / active EE | $507 | $5,292-90.4% | $4,321-88.3% | $4,754-89.3% |
| Participant deferral / active EE | $6,248 | $6,709-6.9% | $5,820+7.4% | $6,712-6.9% |
| Admin fee / account holder | $3,726 | $13,989-73.4% | $10,600-64.9% | $11,409-67.3% |