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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 | $37,406 | $81,208-53.9% | $98,920-62.2% | $79,856-53.2% |
| Participation rate | 100.0% | 72.5%+27.5pp | 76.0%+24.0pp | 69.6%+30.4pp |
| Annual return | 16.21% | 60.99%-44.8pp | 196.47%-180.3pp | 31.71%-15.5pp |
| Employer contribution / active EE | $380 | $1,960-80.6% | $2,689-85.9% | $2,471-84.6% |
| Participant deferral / active EE | $2,140 | $3,265-34.5% | $4,245-49.6% | $3,741-42.8% |
| Admin fee / account holder | $435 | $6,013-92.8% | $6,643-93.4% | $5,306-91.8% |