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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 | $33,938 | $166,131-79.6% | $164,975-79.4% | $145,877-76.7% |
| Participation rate | 72.7% | 82.0%-9.3pp | 78.6%-5.9pp | 80.3%-7.6pp |
| Annual return | 10.08% | 100.37%-90.3pp | 70.12%-60.0pp | 551.28%-541.2pp |
| Employer contribution / active EE | $585 | $5,276-88.9% | $4,343-86.5% | $4,663-87.5% |
| Participant deferral / active EE | $4,747 | $6,962-31.8% | $6,033-21.3% | $6,691-29.1% |
| Admin fee / account holder | $1,319 | $16,648-92.1% | $12,688-89.6% | $13,402-90.2% |