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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 | $26,716 | $165,399-83.8% | $149,745-82.2% | $158,982-83.2% |
| Participation rate | 71.4% | 84.6%-13.1pp | 82.5%-11.1pp | 82.0%-10.5pp |
| Annual return | 15.16% | 348.34%-333.2pp | 276.72%-261.6pp | 302.99%-287.8pp |
| Employer contribution / active EE | $705 | $5,105-86.2% | $4,646-84.8% | $4,763-85.2% |
| Participant deferral / active EE | $3,155 | $7,183-56.1% | $6,843-53.9% | $5,983-47.3% |
| Admin fee / account holder | $1,955 | $10,811-81.9% | $9,312-79.0% | $11,252-82.6% |