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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 | $51,839 | $90,397-42.7% | $76,002-31.8% | $145,959-64.5% |
| Participation rate | 81.0% | 74.5%+6.5pp | 69.1%+11.9pp | 80.3%+0.7pp |
| Annual return | 11.35% | 621.97%-610.6pp | 360.07%-348.7pp | 561.95%-550.6pp |
| Employer contribution / active EE | $340 | $3,317-89.7% | $2,688-87.3% | $4,661-92.7% |
| Participant deferral / active EE | $4,698 | $5,163-9.0% | $4,257+10.4% | $6,689-29.8% |
| Admin fee / account holder | $17,380 | $8,369+107.7% | $6,414+171.0% | $13,398+29.7% |