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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 | $57,191 | $112,131-49.0% | $95,964-40.4% | $158,982-64.0% |
| Participation rate | 70.0% | 79.0%-9.0pp | 77.1%-7.1pp | 82.0%-12.0pp |
| Annual return | 14.65% | 171.19%-156.5pp | 91.64%-77.0pp | 302.99%-288.3pp |
| Employer contribution / active EE | $293 | $3,199-90.9% | $2,541-88.5% | $4,763-93.9% |
| Participant deferral / active EE | $2,020 | $4,784-57.8% | $4,167-51.5% | $5,983-66.2% |
| Admin fee / account holder | $962 | $10,136-90.5% | $6,797-85.8% | $11,252-91.4% |