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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 | $2,953 | $70,366-95.8% | $66,674-95.6% | $138,895-97.9% |
| Participation rate | 82.4% | 76.2%+6.2pp | 73.7%+8.7pp | 79.9%+2.4pp |
| Annual return | 18.78% | 386.41%-367.6pp | 321.24%-302.5pp | 145.39%-126.6pp |
| Employer contribution / active EE | $0 | $2,765-100.0% | $2,620-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,315 | $4,374-47.1% | $4,084-43.3% | $6,396-63.8% |
| Admin fee / account holder | $577 | $5,262-89.0% | $5,098-88.7% | $12,562-95.4% |