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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 | $90,691-42.8% | $76,119-31.9% | $145,884-64.5% |
| Participation rate | 81.0% | 74.5%+6.5pp | 69.1%+11.9pp | 80.3%+0.6pp |
| Annual return | 11.35% | 624.52%-613.2pp | 361.25%-349.9pp | 551.85%-540.5pp |
| Employer contribution / active EE | $340 | $3,329-89.8% | $2,693-87.4% | $4,662-92.7% |
| Participant deferral / active EE | $4,698 | $5,167-9.1% | $4,259+10.3% | $6,690-29.8% |
| Admin fee / account holder | $17,380 | $8,383+107.3% | $6,421+170.7% | $13,392+29.8% |