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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 | $62,109 | $132,634-53.2% | $115,768-46.4% | $137,256-54.7% |
| Participation rate | 81.3% | 77.9%+3.4pp | 74.4%+6.9pp | 80.0%+1.3pp |
| Annual return | 11.50% | 160.70%-149.2pp | 100.46%-89.0pp | 220.34%-208.8pp |
| Employer contribution / active EE | $588 | $3,360-82.5% | $2,940-80.0% | $4,156-85.8% |
| Participant deferral / active EE | $4,106 | $5,619-26.9% | $4,917-16.5% | $6,407-35.9% |
| Admin fee / account holder | $5,093 | $15,028-66.1% | $12,439-59.1% | $12,270-58.5% |