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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 | $124,985 | $70,684+76.8% | $169,390-26.2% | $75,173+66.3% |
| Participation rate | 75.5% | 64.8%+10.7pp | 77.2%-1.7pp | 67.2%+8.3pp |
| Annual return | 19.56% | 36.38%-16.8pp | 406.07%-386.5pp | 160.72%-141.2pp |
| Employer contribution / active EE | $441 | $2,211-80.0% | $4,013-89.0% | $2,671-83.5% |
| Participant deferral / active EE | $3,556 | $4,310-17.5% | $6,222-42.8% | $4,126-13.8% |
| Admin fee / account holder | $1,151 | $5,404-78.7% | $9,015-87.2% | $5,651-79.6% |