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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 | $88,620 | $137,414-35.5% | $189,545-53.2% | $85,851+3.2% |
| Participation rate | 79.3% | 84.6%-5.3pp | 87.8%-8.5pp | 69.3%+10.0pp |
| Annual return | 16.03% | 38.14%-22.1pp | 555.36%-539.3pp | 318.63%-302.6pp |
| Employer contribution / active EE | $1,121 | $4,344-74.2% | $6,162-81.8% | $2,565-56.3% |
| Participant deferral / active EE | $3,747 | $6,260-40.1% | $8,220-54.4% | $3,952-5.2% |
| Admin fee / account holder | $1,210 | $8,630-86.0% | $12,049-90.0% | $6,261-80.7% |