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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 | $39,140 | $217,432-82.0% | $185,849-78.9% | $167,536-76.6% |
| Participation rate | 78.9% | 86.1%-7.1pp | 81.7%-2.8pp | 82.1%-3.2pp |
| Annual return | 11.52% | 148.42%-136.9pp | 122.10%-110.6pp | 478.82%-467.3pp |
| Employer contribution / active EE | $800 | $5,875-86.4% | $5,169-84.5% | $4,839-83.5% |
| Participant deferral / active EE | $2,601 | $6,357-59.1% | $5,569-53.3% | $6,342-59.0% |
| Admin fee / account holder | $330 | $19,818-98.3% | $16,244-98.0% | $12,315-97.3% |