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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 | $91,099 | $227,399-59.9% | $189,758-52.0% | $198,609-54.1% |
| Participation rate | 75.0% | 84.0%-9.0pp | 79.8%-4.8pp | 82.4%-7.4pp |
| Annual return | 15.04% | 61.03%-46.0pp | 52.62%-37.6pp | 202.70%-187.7pp |
| Employer contribution / active EE | $1,383 | $5,526-75.0% | $4,767-71.0% | $5,055-72.6% |
| Participant deferral / active EE | $4,640 | $6,837-32.1% | $5,856-20.8% | $6,977-33.5% |
| Admin fee / account holder | $495 | $25,162-98.0% | $20,388-97.6% | $19,030-97.4% |