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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 | $43,196 | $166,020-74.0% | $164,866-73.8% | $145,959-70.4% |
| Participation rate | 91.7% | 82.0%+9.7pp | 78.6%+13.1pp | 80.3%+11.4pp |
| Annual return | 30.85% | 100.08%-69.2pp | 69.97%-39.1pp | 561.95%-531.1pp |
| Employer contribution / active EE | $286 | $5,275-94.6% | $4,343-93.4% | $4,661-93.9% |
| Participant deferral / active EE | $4,384 | $6,961-37.0% | $6,033-27.3% | $6,689-34.5% |
| Admin fee / account holder | $982 | $16,644-94.1% | $12,689-92.3% | $13,398-92.7% |