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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 | $100,209 | $115,810-13.5% | $101,271-1.0% | $158,966-37.0% |
| Participation rate | 81.8% | 79.4%+2.5pp | 75.8%+6.0pp | 82.0%-0.1pp |
| Annual return | 7.84% | 56.15%-48.3pp | 46.48%-38.6pp | 302.95%-295.1pp |
| Employer contribution / active EE | $64 | $4,175-98.5% | $3,660-98.2% | $4,762-98.6% |
| Participant deferral / active EE | $6,535 | $4,958+31.8% | $4,371+49.5% | $5,983+9.2% |
| Admin fee / account holder | $842 | $7,248-88.4% | $5,948-85.8% | $11,250-92.5% |