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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 | $42,510 | $85,766-50.4% | $136,298-68.8% | $70,126-39.4% |
| Participation rate | 87.5% | 74.2%+13.3pp | 81.9%+5.6pp | 69.5%+18.0pp |
| Annual return | 16.85% | 31.46%-14.6pp | 5156.27%-5139.4pp | 73.15%-56.3pp |
| Employer contribution / active EE | $258 | $2,966-91.3% | $4,696-94.5% | $2,343-89.0% |
| Participant deferral / active EE | $6,288 | $5,051+24.5% | $6,247+0.7% | $3,332+88.7% |
| Admin fee / account holder | $1,644 | $5,421-69.7% | $9,244-82.2% | $4,645-64.6% |