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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 | $62,099 | $135,645-54.2% | $110,243-43.7% | $135,380-54.1% |
| Participation rate | 94.4% | 83.5%+11.0pp | 79.8%+14.6pp | 82.6%+11.8pp |
| Annual return | -1.31% | 513.24%-514.5pp | 314.76%-316.1pp | 519.81%-521.1pp |
| Employer contribution / active EE | $263 | $4,907-94.6% | $3,827-93.1% | $4,779-94.5% |
| Participant deferral / active EE | $6,711 | $5,507+21.9% | $4,672+43.6% | $5,609+19.6% |
| Admin fee / account holder | $4,012 | $11,458-65.0% | $8,548-53.1% | $10,828-62.9% |