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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 | $31,501 | $70,587-55.4% | $124,694-74.7% | $85,851-63.3% |
| Participation rate | 87.3% | 64.4%+22.9pp | 74.6%+12.7pp | 69.3%+18.0pp |
| Annual return | 15.24% | 20688.83%-20673.6pp | 5144.82%-5129.6pp | 318.63%-303.4pp |
| Employer contribution / active EE | $481 | $1,913-74.9% | $3,325-85.5% | $2,565-81.3% |
| Participant deferral / active EE | $1,896 | $2,969-36.1% | $4,615-58.9% | $3,952-52.0% |
| Admin fee / account holder | $613 | $5,282-88.4% | $7,495-91.8% | $6,261-90.2% |