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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 | $36,333 | $167,353-78.3% | $143,797-74.7% | $134,545-73.0% |
| Participation rate | 92.3% | 84.8%+7.5pp | 80.3%+12.0pp | 81.2%+11.1pp |
| Annual return | 3.25% | 0.48%+2.8pp | -0.04%+3.3pp | 418.37%-415.1pp |
| Employer contribution / active EE | $236 | $5,620-95.8% | $4,952-95.2% | $4,742-95.0% |
| Participant deferral / active EE | $2,335 | $6,447-63.8% | $5,638-58.6% | $6,401-63.5% |
| Admin fee / account holder | $335 | $18,096-98.1% | $14,679-97.7% | $11,431-97.1% |