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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 | $65,217 | $129,737-49.7% | $119,126-45.3% | $154,746-57.9% |
| Participation rate | 75.0% | 78.9%-3.9pp | 75.8%-0.8pp | 80.7%-5.7pp |
| Annual return | 11.97% | 379.08%-367.1pp | 282.11%-270.1pp | 172.34%-160.4pp |
| Employer contribution / active EE | $819 | $4,375-81.3% | $4,034-79.7% | $4,379-81.3% |
| Participant deferral / active EE | $4,972 | $5,842-14.9% | $5,318-6.5% | $6,730-26.1% |
| Admin fee / account holder | $8,540 | $11,961-28.6% | $10,693-20.1% | $14,365-40.5% |