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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 | $4,994 | $70,366-92.9% | $66,674-92.5% | $138,895-96.4% |
| Participation rate | 71.4% | 76.2%-4.7pp | 73.7%-2.2pp | 79.9%-8.5pp |
| Annual return | 20.97% | 386.41%-365.4pp | 321.24%-300.3pp | 145.39%-124.4pp |
| Employer contribution / active EE | $0 | $2,765-100.0% | $2,620-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,274 | $4,374-25.2% | $4,084-19.8% | $6,396-48.8% |
| Admin fee / account holder | $1,162 | $5,262-77.9% | $5,098-77.2% | $12,562-90.7% |