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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 | $28,233 | $115,810-75.6% | $101,271-72.1% | $158,966-82.2% |
| Participation rate | 95.7% | 79.4%+16.3pp | 75.8%+19.8pp | 82.0%+13.7pp |
| Annual return | 10.37% | 56.15%-45.8pp | 46.48%-36.1pp | 302.95%-292.6pp |
| Employer contribution / active EE | $656 | $4,175-84.3% | $3,660-82.1% | $4,762-86.2% |
| Participant deferral / active EE | $2,799 | $4,958-43.5% | $4,371-36.0% | $5,983-53.2% |
| Admin fee / account holder | $1,629 | $7,248-77.5% | $5,948-72.6% | $11,250-85.5% |