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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 | $99,064 | $176,105-43.7% | $159,474-37.9% | $167,536-40.9% |
| Participation rate | 84.2% | 85.0%-0.7pp | 82.8%+1.4pp | 82.1%+2.1pp |
| Annual return | 11.68% | 331.91%-320.2pp | 263.68%-252.0pp | 478.82%-467.1pp |
| Employer contribution / active EE | $616 | $5,299-88.4% | $4,831-87.3% | $4,839-87.3% |
| Participant deferral / active EE | $3,634 | $7,751-53.1% | $7,353-50.6% | $6,342-42.7% |
| Admin fee / account holder | $11,071 | $12,559-11.8% | $10,802+2.5% | $12,315-10.1% |