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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 | $63,793 | $88,710-28.1% | $81,783-22.0% | $145,959-56.3% |
| Participation rate | 73.3% | 75.0%-1.7pp | 72.4%+1.0pp | 80.3%-7.0pp |
| Annual return | 10.38% | 1027.26%-1016.9pp | 775.05%-764.7pp | 561.95%-551.6pp |
| Employer contribution / active EE | $191 | $3,083-93.8% | $2,913-93.4% | $4,661-95.9% |
| Participant deferral / active EE | $6,252 | $4,645+34.6% | $4,320+44.7% | $6,689-6.5% |
| Admin fee / account holder | $2,431 | $8,407-71.1% | $7,380-67.1% | $13,398-81.9% |