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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 | $27,300 | $115,810-76.4% | $101,271-73.0% | $158,966-82.8% |
| Participation rate | 93.3% | 79.4%+14.0pp | 75.8%+17.5pp | 82.0%+11.4pp |
| Annual return | 16.72% | 56.15%-39.4pp | 46.48%-29.8pp | 302.95%-286.2pp |
| Employer contribution / active EE | $524 | $4,175-87.4% | $3,660-85.7% | $4,762-89.0% |
| Participant deferral / active EE | $4,509 | $4,958-9.1% | $4,371+3.2% | $5,983-24.6% |
| Admin fee / account holder | $2,241 | $7,248-69.1% | $5,948-62.3% | $11,250-80.1% |